Guide to Rental Car Insurance Coverage

Say you’re on vacation and you need to rent a car. You’ve researched prices and figured out which car you want to rent. You’re feeling good about your decision. But now the person at the car rental counter tells you it’s dangerous and costly to skip out on their #RentalCarInsurance. Should you do it?

In today’s video, we’ll talk about the difference between rental car reimbursement coverage and rental car insurance, when you do or don’t need additional coverage, and finally, when your credit card could come in handy.

There’s a lot to cover before you get the keys to your rental car– so let’s get started.

Time Stamps

00:37 Table of contents
01:05 Rental car reimbursement vs. rental car insurance
01:58 Explanation of coverages
02:39 Personal effects coverage
02:59 Roadside assistance
03:28 Personal accident insurance
03:48 Supplemental liability protection
04:16 When you should get rental car insurance
04:56 Coverage through your credit card

[ohplezz]

You left out a very important point. Administrative loss of use the rental company will hit you with for as long as the vehicle is in the shop waiting for parts which can turn into thousands of dollars. And regular auto insurance or your credit card is going to cover that. The only policy that covers that is the insurance the rental company sells you. And they usually have zero deductible.

[Phlegethon]

4:30 except the rental car companies may try to weasel their way out of state minimum liability until they have no choice left