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Do I need to Purchase Rental Car Insurance?


Everyone has heard the question at the rental car counter and wonders if they should purchase the additional rental car insurance. If you are in an accident while on a business trip or on vacation, the last thing you expect is to be in an accident. Additionally, if you are renting a car after you have already been in an accident and are waiting for your car to be repaired, you may also wonder if you need this additional insurance. The following are some answers to commonly asked questions regarding the additional car insurance available from rental car companies.

Do You Have Car Insurance? Does It Cover Rental Cars?

You may already have enough car insurance coverage under your own personal car insurance policy. However, some insurance companies will only cover accidents for personal reasons, therefore, if you are renting a car for business, your personal car insurance may not cover any damages or losses from an accident. Make sure to call your car insurance company, or check your policy to see what is actually covered regarding rental cars. You may find you do not need the additional coverage the rental car company provides.

Do You Have A Credit Card That Covers Rental Cars?

In some cases, you may have a credit card that may provide additional insurance if you use it to purchase your rental car. Make sure again to call the credit card company directly to ensure that you understand what type of coverage is available and whether or not you should, therefore, decline the additional coverage at the rental car counter.

What Are Your Typical Insurance Options at a Rental Car Company?

If you do not have coverage under your own car insurance policy, or with a credit card, you may make the decision that you want to purchase additional insurance coverage for your rental car. In most cases, car insurance companies will offer you one of these four options.

  • Loss-damage waiver. While this is the most expensive, it covers all losses due to a car being stolen or damaged in an accident.
  • Liability coverage. This insurance coverage provides a driver with the minimum car insurance coverage for that particular state.
  • Personal accident insurance. This type of insurance covers medical costs due to an accident.
  • Personal effects coverage. This type of insurance covers personal property losses due to an accident.

Ultimately, the decision to obtain the additional rental car insurance is an individual one, based on your own facts and circumstances and the amount of risk a person is willing to take.

Contact an Experienced Attorney

Making the decision to purchase additional car insurance coverage from a rental car company, is largely dependent on your unique facts and circumstances. If you were injured in a rental car, make sure that you contact an experienced car accident attorney at Roman & Roman today at 877-767-1032. Also, you may contact us online for a free consultation to help you understand how we can help ensure you receive the compensation you deserve following an accident in a rental car, or any type of vehicle. We serve clients in Clearwater, Tampa, and Hudson.




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Clearwater Office

Clearwater Office

fax: 727-736-3234
2274 FL-580
Clearwater, FL 33763
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Hernando: 352-796-2151
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