{"id":143813,"date":"2023-10-03T07:03:27","date_gmt":"2023-10-03T07:03:27","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/why-don%ca%bct-you-need-rental-car-insurance\/"},"modified":"2023-10-03T07:03:27","modified_gmt":"2023-10-03T07:03:27","slug":"why-don%ca%bct-you-need-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/why-don%ca%bct-you-need-rental-car-insurance\/","title":{"rendered":"Why don\u02bct you need rental car insurance?"},"content":{"rendered":"<p>When renting a car, one of the questions that often comes up is whether or not to purchase rental car insurance. Many people might be surprised to learn that in most cases, you do not actually need rental car insurance. Here\u02bcs why:<\/p>\n<p><b>Rental car insurance is usually unnecessary because your own car insurance policy likely covers rental cars as well. Most auto insurance policies offer coverage for rental cars as part of their standard package. This means that if you have auto insurance, it will likely extend to cover any rental car you drive, saving you the extra cost of purchasing additional insurance from the rental car company.<\/b><\/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\/why-don%ca%bct-you-need-rental-car-insurance\/#FAQs\" title=\"FAQs:\">FAQs:<\/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\/why-don%ca%bct-you-need-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\/why-don%ca%bct-you-need-rental-car-insurance\/#2_What_are_the_different_types_of_rental_car_insurance_offered_by_rental_car_companies\" title=\"2. What are the different types of rental car insurance offered by rental car companies?\">2. What are the different types of rental car insurance offered by rental car companies?<\/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\/why-don%ca%bct-you-need-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\/why-don%ca%bct-you-need-rental-car-insurance\/#4_What_does_collision_damage_waiver_CDW_cover\" title=\"4. What does collision damage waiver (CDW) cover?\">4. What does collision damage waiver (CDW) 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\/why-don%ca%bct-you-need-rental-car-insurance\/#5_What_does_liability_insurance_cover\" title=\"5. What does liability insurance cover?\">5. What does liability insurance cover?<\/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\/why-don%ca%bct-you-need-rental-car-insurance\/#6_What_does_personal_accident_insurance_cover\" title=\"6. What does personal accident insurance cover?\">6. What does personal accident insurance cover?<\/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\/why-don%ca%bct-you-need-rental-car-insurance\/#7_Are_there_any_instances_where_rental_car_insurance_may_be_necessary\" title=\"7. Are there any instances where rental car insurance may be necessary?\">7. Are there any instances where rental car insurance may be necessary?<\/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\/why-don%ca%bct-you-need-rental-car-insurance\/#8_What_factors_should_I_consider_before_deciding_on_rental_car_insurance\" title=\"8. What factors should I consider before deciding on rental car insurance?\">8. What factors should I consider before deciding 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-10\" href=\"https:\/\/namso-gen.co\/blog\/why-don%ca%bct-you-need-rental-car-insurance\/#9_Can_I_decline_rental_car_insurance_at_the_rental_car_counter\" title=\"9. Can I decline rental car insurance at the rental car counter?\">9. Can I decline rental car insurance at the rental car counter?<\/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\/why-don%ca%bct-you-need-rental-car-insurance\/#10_What_are_the_benefits_of_purchasing_rental_car_insurance\" title=\"10. What are the benefits of purchasing rental car insurance?\">10. What are the benefits of purchasing 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\/why-don%ca%bct-you-need-rental-car-insurance\/#11_Can_I_add_rental_car_insurance_after_I_have_already_rented_the_car\" title=\"11. Can I add rental car insurance after I have already rented the car?\">11. Can I add rental car insurance after I have already rented the 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\/why-don%ca%bct-you-need-rental-car-insurance\/#12_Are_there_any_restrictions_on_rental_car_insurance_coverage\" title=\"12. Are there any restrictions on rental car insurance coverage?\">12. Are there any restrictions on rental car insurance coverage?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<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>\nNo, rental car insurance is not required by law. It is optional, and whether or not you purchase it is up to you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_are_the_different_types_of_rental_car_insurance_offered_by_rental_car_companies\"><\/span>2. What are the different types of rental car insurance offered by rental car companies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car companies typically offer collision damage waiver (CDW), liability insurance, and personal accident insurance as add-ons to the rental agreement.<\/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. It is important to check with your credit card company to see if you are covered when renting a car using their card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_does_collision_damage_waiver_CDW_cover\"><\/span>4. What does collision damage waiver (CDW) cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCDW covers damage to the rental car in the event of an accident or theft. It waives the renter\u02bcs responsibility for paying to repair or replace the car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_does_liability_insurance_cover\"><\/span>5. What does liability insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLiability insurance covers damages to other people\u02bcs property or injuries in the event of an accident for which you are found at fault.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_does_personal_accident_insurance_cover\"><\/span>6. What does personal accident insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPersonal accident insurance provides coverage for medical expenses and accidental death benefits for the driver and passengers in a rental car accident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_instances_where_rental_car_insurance_may_be_necessary\"><\/span>7. Are there any instances where rental car insurance may be necessary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you do not have your own auto insurance policy or if your policy does not provide coverage for rental cars, it may be necessary to purchase rental car insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_factors_should_I_consider_before_deciding_on_rental_car_insurance\"><\/span>8. What factors should I consider before deciding on rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nConsider the coverage provided by your own auto insurance policy, any additional coverage offered by your credit card, and the cost and benefits of the rental car insurance being offered by the rental car company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_decline_rental_car_insurance_at_the_rental_car_counter\"><\/span>9. Can I decline rental car insurance at the rental car counter?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can decline rental car insurance at the rental car counter if you are confident that your own insurance policy offers sufficient coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_are_the_benefits_of_purchasing_rental_car_insurance\"><\/span>10. What are the benefits of purchasing rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPurchasing rental car insurance can provide peace of mind and protection against unexpected expenses in the event of an accident or damage to the rental car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_add_rental_car_insurance_after_I_have_already_rented_the_car\"><\/span>11. Can I add rental car insurance after I have already rented the car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome rental car companies may allow you to add rental car insurance after you have already rented the car, but it is best to clarify this with the rental car company directly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Are_there_any_restrictions_on_rental_car_insurance_coverage\"><\/span>12. Are there any restrictions on rental car insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome rental car insurance policies may have restrictions or limitations on coverage, such as exclusions for certain types of vehicles or activities. It is important to read the terms and conditions carefully before purchasing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When renting a car, one of the questions that often comes up is whether or not to purchase rental car insurance. Many people might be surprised to learn that in most cases, you do not actually need rental car insurance. Here\u02bcs why: Rental car insurance is usually unnecessary because your own car insurance policy likely &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Why don\u02bct you need rental car insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/why-don%ca%bct-you-need-rental-car-insurance\/#more-143813\">Read more<span class=\"screen-reader-text\">Why don\u02bct you need rental car insurance?<\/span><\/a><\/p>\n","protected":false},"author":33,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-143813","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>Why don\u02bct you need rental car insurance?<\/title>\n<meta name=\"description\" content=\"When renting a car, one of the questions that often comes up is whether or not to purchase rental car insurance. 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