In most cases, you don’t need insurance to rent a car. If you rent a car for pleasure (not for business) and already have comprehensive and collision coverage on your own car, you don’t need to purchase additional police at the rental counter.
Otherwise, you must apply for rental car insurance. Still, before purchasing it, you should contact your credit card company and ask about coverage your credit card provides (if provides).
What insurance do I need to rent a car?
- Collision Damage Waiver (CDW). It covers expenses in the case if the rental car is damaged or stolen. Still, it doesn’t cover cases when a driver causes an accident by speeding, driving on unpaved roads, or driving while intoxicated. The policy usually costs from $10 to $20 per day.
- Liability Insurance. Every state defines a level of minimal liability insurance of the rental agency. Still, this insurance isn’t usually enough to cover the serious accident.
- Personal Accident Insurance covers medical/ambulance bills for you and your passengers. It costs approximately $3 per day.
- Personal Effects Coverage covers expenses for the theft of personal items in your car.
Do I need proof of insurance to rent a car?
Yes, your insurance company should provide a certificate for the rider outlining the coverage.
Do I need my insurance card to rent a car?
Using insurance credit card is convenient as the premium will be automatically posted to your account, at least.