This post is also available in: Español
Should You Purchase Rental Car Insurance or Use Your Own Auto Insurance?
Coverage from your own policy applies when you are using a rental car for personal, nonbusiness purposes.
Rental car companies may attempt to sell you a loss-damage waiver (LDW), also called a collision damage waiver (CDW), which covers any damage to the rental vehicle or theft of the car. If you have collision and comprehensive coverage on your own policy, it generally will extend to a rental car.
Rental car companies may attempt to sell you supplemental liability protection that will pay for damage you do to other vehicles or property. Your own liability insurance will cover you when you are driving rental cars.
Rental car companies may attempt to sell you personal accident insurance which covers medical costs for you and your passengers if you are involved in an accident. This may include ambulance, medical care and death benefits. If you have health insurance, ambulance and medical care are covered, and if you want death benefits, you should have a life insurance policy. Also, personal accident insurance is not needed if you have personal injury protection (PIP) through your auto policy.
Rental car companies may attempt to sell you personal effects coverage which pays for your belongings if they are stolen from the rental car. Your homeowners or renters insurance will cover your possessions if they are stolen, even away from home.
Credit cards often provide coverage for rental cars if you have used the card to pay for the rental and the rental is in your name.
Who Should I Contact If I Am In A Rental Car Accident?
If you or a loved one have been injured in a Rental Car crash contact an attorney as soon as possible. Navigating insurance claims and determining sustained injuries in a Rental Car crash is usually complex. Damages are often complicated. Treatment of sustained injuries may be costly, painful and may take months, or even years. Insurance coverage, especially PIP and Uninsured Motorist Coverage (UM), is very important. An experienced Rental Car crash attorney can aggressively investigate and seek the financial compensation you are entitled to for pain and suffering and for medical treatment and care. An experienced Rental Car crash lawyer will thoroughly analyze your case and explain the insurance provisions and the options you have for pursuing fair compensation.
If you or a loved one have been injured in a Rental Car crash due to the negligence of another, you are entitled to compensation. An experienced Rental Car accident lawyer will determine the insurance coverage available and assist you in settling the matter or in filing a personal injury lawsuit seeking compensation.