That may sound nice, but it won’t cover you if the accident was caused by your carelessness (like speeding). It’s a waiver that says the rental car company won’t hold you responsible for all the damage. The collision damage waiver (also called loss damage waiver) covers damage to the rental vehicle in a collision or theft. Here’s a breakdown of what car rental insurance usually covers. (And like we said earlier, you’ll rarely need this kind of coverage.) It gives you extra coverage if you get in an accident while driving a rental. Rental car insurance is an optional layer of protection you can choose to add to your rental car agreement anytime you rent a car. In that case, rental car insurance is the least of your problems-but you’ll definitely want to buy it before renting (and go ahead and get standard car insurance in place, on the double!) What Is Rental Car Insurance? Or here’s a scary thought: Maybe you do own a car, and you’re playing a dangerous game by driving without any coverage at all. (You’re probably in great shape from all of that walking!) If that’s you, the rental company will require you to have liability coverage-but you don’t have to buy it through them. We’ll get into more of the details below.)īut maybe you don’t even own a car and don’t need car insurance. You’re not likely to need car rental insurance because your own auto insurance will generally cover a rental car too-assuming you have that coverage. But there’s a deeper question behind that question-which kind of insurance do you need to rent a car? That’ll depend on your situation. We’ll break down whether you actually need rental car insurance, so next time you’re at that counter, you don’t have to sweat over your answer! Do I Need Insurance to Rent a Car? Is rental car insurance worth it? Am I just throwing money away? Does my regular car insurance cover me? Can I phone a friend? You’re standing at the rental car counter at the airport when the agent looks at you and asks that age-old question: “Would you like the rental car insurance?”
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