{"id":134114,"date":"2023-11-18T08:04:14","date_gmt":"2023-11-18T08:04:14","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/"},"modified":"2023-11-18T08:04:14","modified_gmt":"2023-11-18T08:04:14","slug":"do-i-need-to-get-the-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/","title":{"rendered":"Do I need to get the rental car insurance?"},"content":{"rendered":"<p>When you rent a car, one question that often comes up is whether you need to purchase the rental car insurance that the rental company offers. The answer to this question depends on a variety of factors, including your existing auto insurance policy, the credit card you use to pay for the rental, and the type of coverage you feel comfortable with. <\/p>\n<p>**The short answer is: it depends.**<\/p>\n<p>There is no one-size-fits-all answer to this question. Before making a decision, it is important to understand what rental car insurance covers, what your existing coverage includes, and what additional protections you may want while driving a rental car. <\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#FAQs_about_rental_car_insurance\" title=\"FAQs about rental car insurance:\">FAQs about rental car insurance:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#1_Is_rental_car_insurance_required_by_law\" title=\"1. Is rental car insurance required by law?\">1. Is rental car insurance required by law?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#2_Does_my_existing_auto_insurance_cover_rental_cars\" title=\"2. Does my existing auto insurance cover rental cars?\">2. Does my existing auto insurance cover rental cars?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#3_Does_my_credit_card_offer_rental_car_insurance\" title=\"3. Does my credit card offer rental car insurance?\">3. Does my credit card offer rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#4_What_does_rental_car_insurance_typically_cover\" title=\"4. What does rental car insurance typically cover?\">4. What does rental car insurance typically cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#5_What_is_a_collision_damage_waiver_CDW\" title=\"5. What is a collision damage waiver (CDW)?\">5. What is a collision damage waiver (CDW)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#6_Is_rental_car_insurance_necessary_if_I_have_full_coverage_on_my_own_car\" title=\"6. Is rental car insurance necessary if I have full coverage on my own car?\">6. Is rental car insurance necessary if I have full coverage on my own car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#7_What_should_I_consider_when_deciding_whether_to_purchase_rental_car_insurance\" title=\"7. What should I consider when deciding whether to purchase rental car insurance?\">7. What should I consider when deciding whether to purchase rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#8_Are_there_any_situations_where_rental_car_insurance_is_recommended\" title=\"8. Are there any situations where rental car insurance is recommended?\">8. Are there any situations where rental car insurance is recommended?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#9_Can_I_decline_rental_car_insurance_and_still_be_protected\" title=\"9. Can I decline rental car insurance and still be protected?\">9. Can I decline rental car insurance and still be protected?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#10_How_can_I_save_money_on_rental_car_insurance\" title=\"10. How can I save money on rental car insurance?\">10. How can I save money on rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#11_Can_I_purchase_rental_car_insurance_after_picking_up_the_rental_car\" title=\"11. Can I purchase rental car insurance after picking up the rental car?\">11. Can I purchase rental car insurance after picking up the rental car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#12_Does_rental_car_insurance_cover_theft\" title=\"12. Does rental car insurance cover theft?\">12. Does rental car insurance cover theft?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_rental_car_insurance\"><\/span>FAQs about rental car insurance:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_rental_car_insurance_required_by_law\"><\/span>1. Is rental car insurance required by law?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most states, rental car insurance is not required by law. However, rental companies often strongly encourage you to purchase their insurance policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Does_my_existing_auto_insurance_cover_rental_cars\"><\/span>2. Does my existing auto insurance cover rental cars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost auto insurance policies provide coverage for rental cars, but the extent of coverage varies. It is important to check with your insurance provider to understand what is covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Does_my_credit_card_offer_rental_car_insurance\"><\/span>3. Does my credit card offer rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome credit cards offer rental car insurance as a benefit to cardholders. This coverage may be secondary to your existing auto insurance, so it is important to read the terms and conditions carefully.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_does_rental_car_insurance_typically_cover\"><\/span>4. What does rental car insurance typically cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance typically covers damage to the rental vehicle, liability for damage to others&#8217; property, and medical expenses for injuries sustained in a rental car accident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_is_a_collision_damage_waiver_CDW\"><\/span>5. What is a collision damage waiver (CDW)?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA collision damage waiver (CDW) is a type of rental car insurance that covers damage to the rental vehicle in the event of a collision. It is often offered by rental companies as an optional add-on.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Is_rental_car_insurance_necessary_if_I_have_full_coverage_on_my_own_car\"><\/span>6. Is rental car insurance necessary if I have full coverage on my own car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you have full coverage on your personal vehicle, your policy may extend to rental cars. However, there may be limitations or exclusions, so it is important to check with your insurance provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_should_I_consider_when_deciding_whether_to_purchase_rental_car_insurance\"><\/span>7. What should I consider when deciding whether to purchase rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhen deciding whether to purchase rental car insurance, consider factors such as the cost of the insurance, the coverage provided by your existing policies, and your comfort level with assuming risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_any_situations_where_rental_car_insurance_is_recommended\"><\/span>8. Are there any situations where rental car insurance is recommended?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance may be recommended in certain situations, such as when traveling abroad where your existing coverage may not apply, or when renting a luxury or exotic vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_decline_rental_car_insurance_and_still_be_protected\"><\/span>9. Can I decline rental car insurance and still be protected?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you decline rental car insurance, you may still be protected by your existing auto insurance policy or the coverage provided by your credit card. However, there may be limitations, so it is important to understand your coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_can_I_save_money_on_rental_car_insurance\"><\/span>10. How can I save money on rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo save money on rental car insurance, consider using a credit card that offers rental car insurance as a benefit, checking with your auto insurance provider for coverage options, and comparing prices from different rental companies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_purchase_rental_car_insurance_after_picking_up_the_rental_car\"><\/span>11. Can I purchase rental car insurance after picking up the rental car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, you can purchase rental car insurance after picking up the rental car. However, it is recommended to review the terms and conditions of the insurance policy to ensure coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Does_rental_car_insurance_cover_theft\"><\/span>12. Does rental car insurance cover theft?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance may cover theft of the rental vehicle, but coverage may vary depending on the policy. It is important to review the terms and conditions of the insurance policy for details on theft coverage. <\/p>\n<p>In conclusion, the decision of whether to purchase rental car insurance depends on your individual circumstances and preferences. It is important to weigh the costs and benefits of rental car insurance and understand your existing coverage before making a decision. Consulting with your insurance provider and credit card company can help you make an informed choice about rental car insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you rent a car, one question that often comes up is whether you need to purchase the rental car insurance that the rental company offers. The answer to this question depends on a variety of factors, including your existing auto insurance policy, the credit card you use to pay for the rental, and the &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Do I need to get the rental car insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-to-get-the-rental-car-insurance\/#more-134114\">Read more<span class=\"screen-reader-text\">Do I need to get the rental car insurance?<\/span><\/a><\/p>\n","protected":false},"author":30,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-134114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need to get the rental car insurance?<\/title>\n<meta name=\"description\" content=\"When you rent a car, one question that often comes up is whether you need to purchase the rental car insurance that the rental company offers. 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