{"id":149390,"date":"2023-10-23T14:04:20","date_gmt":"2023-10-23T14:04:20","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-type-of-rental-car-insurance-should-i-get\/"},"modified":"2023-10-23T14:04:20","modified_gmt":"2023-10-23T14:04:20","slug":"what-type-of-rental-car-insurance-should-i-get","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-type-of-rental-car-insurance-should-i-get\/","title":{"rendered":"What type of rental car insurance should I get?"},"content":{"rendered":"<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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-type-of-rental-car-insurance-should-i-get\/#What_type_of_rental_car_insurance_should_I_get\" title=\"What type of rental car insurance should I get?\">What type of rental car insurance should I get?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-type-of-rental-car-insurance-should-i-get\/#1_Is_rental_car_insurance_necessary\" title=\"1. Is rental car insurance necessary?\">1. Is rental car insurance necessary?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#2_Does_my_existing_auto_insurance_policy_cover_rental_cars\" title=\"2. Does my existing auto insurance policy cover rental cars?\">2. Does my existing auto insurance policy 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\/what-type-of-rental-car-insurance-should-i-get\/#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\/what-type-of-rental-car-insurance-should-i-get\/#4_What_is_Collision_Damage_Waiver_CDWLoss_Damage_Waiver_LDW\" title=\"4. What is Collision Damage Waiver (CDW)\/Loss Damage Waiver (LDW)?\">4. What is Collision Damage Waiver (CDW)\/Loss Damage Waiver (LDW)?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#5_What_is_Liability_Insurance\" title=\"5. What is Liability Insurance?\">5. What is Liability Insurance?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#6_What_is_Personal_Accident_Insurance\" title=\"6. What is Personal Accident Insurance?\">6. What is Personal Accident Insurance?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#7_What_is_Personal_Effects_Coverage\" title=\"7. What is Personal Effects Coverage?\">7. What is Personal Effects Coverage?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#8_How_much_does_rental_car_insurance_cost\" title=\"8. How much does rental car insurance cost?\">8. How much does rental car insurance cost?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#9_Can_I_decline_rental_car_insurance\" title=\"9. Can I decline rental car insurance?\">9. Can I decline rental car insurance?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#10_What_happens_if_I_decline_rental_car_insurance_and_get_into_an_accident\" title=\"10. What happens if I decline rental car insurance and get into an accident?\">10. What happens if I decline rental car insurance and get into an accident?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#11_Can_I_add_additional_drivers_to_the_rental_car_insurance_policy\" title=\"11. Can I add additional drivers to the rental car insurance policy?\">11. Can I add additional drivers to the rental car insurance policy?<\/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\/what-type-of-rental-car-insurance-should-i-get\/#12_Is_rental_car_insurance_the_same_as_my_personal_auto_insurance\" title=\"12. Is rental car insurance the same as my personal auto insurance?\">12. Is rental car insurance the same as my personal auto insurance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_type_of_rental_car_insurance_should_I_get\"><\/span>What type of rental car insurance should I get?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When renting a car, it&#8217;s important to consider whether or not to purchase rental car insurance. This decision can be confusing, as rental car companies often offer several types of insurance coverage. To determine what type of rental car insurance you should get, it&#8217;s essential to understand your existing auto insurance policy and the coverage provided by your credit card company. Here are some factors to consider when deciding on rental car insurance:<\/p>\n<p><b>Primary Rental Car Insurance:<\/b> Primary insurance covers you for loss or damage to the rental car, so you won&#8217;t have to involve your own insurance company if an accident happens. It provides coverage for damage to the rental car, theft, and liability in case of an accident.<\/p>\n<p>When you rent a car, the rental company will typically offer you several types of insurance coverage at the rental counter. These options may include Collision Damage Waiver (CDW)\/Loss Damage Waiver (LDW), Liability Insurance, Personal Accident Insurance, and Personal Effects Coverage. Before making a decision, here are some frequently asked questions about rental car insurance:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_rental_car_insurance_necessary\"><\/span>1. Is rental car insurance necessary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, rental car insurance is necessary if you don&#8217;t have coverage through your personal auto insurance policy or credit card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Does_my_existing_auto_insurance_policy_cover_rental_cars\"><\/span>2. Does my existing auto insurance policy cover rental cars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost auto insurance policies extend coverage to rental cars, but it&#8217;s essential to check with your provider to understand the specifics of your coverage.<\/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 provide rental car insurance as a benefit, but the coverage may vary depending on the card issuer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_Collision_Damage_Waiver_CDWLoss_Damage_Waiver_LDW\"><\/span>4. What is Collision Damage Waiver (CDW)\/Loss Damage Waiver (LDW)?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCDW\/LDW covers damage to the rental car in the event of a collision or theft. It typically waives the rental company&#8217;s right to pursue the renter for damages.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_is_Liability_Insurance\"><\/span>5. What is Liability Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLiability Insurance covers damage to other people&#8217;s property or injuries to others in an accident that is your fault.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_is_Personal_Accident_Insurance\"><\/span>6. What is Personal Accident Insurance?<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 the rental car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_is_Personal_Effects_Coverage\"><\/span>7. What is Personal Effects Coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPersonal Effects Coverage protects your personal belongings inside the rental car in case of theft or damage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_much_does_rental_car_insurance_cost\"><\/span>8. How much does rental car insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe cost of rental car insurance varies depending on the type of coverage and the rental car company. It&#8217;s important to compare prices and coverage options before making a decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_decline_rental_car_insurance\"><\/span>9. Can I decline rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can decline rental car insurance if your existing auto insurance policy or credit card provides coverage for rental cars. Be sure to confirm the coverage details before making a decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_happens_if_I_decline_rental_car_insurance_and_get_into_an_accident\"><\/span>10. What happens if I decline rental car insurance and get into an accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you decline rental car insurance and get into an accident, your personal auto insurance policy may cover the damages. However, you may be responsible for the deductible and any expenses not covered by your insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_add_additional_drivers_to_the_rental_car_insurance_policy\"><\/span>11. Can I add additional drivers to the rental car insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost rental car companies allow you to add additional drivers to the insurance policy for an extra fee. It&#8217;s essential to include all drivers who will be operating the rental car to ensure they are covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Is_rental_car_insurance_the_same_as_my_personal_auto_insurance\"><\/span>12. Is rental car insurance the same as my personal auto insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance is separate from your personal auto insurance policy. While some coverage may overlap, it&#8217;s important to understand the differences and limitations of each policy to ensure you have adequate protection while renting a car.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What type of rental car insurance should I get? When renting a car, it&#8217;s important to consider whether or not to purchase rental car insurance. This decision can be confusing, as rental car companies often offer several types of insurance coverage. To determine what type of rental car insurance you should get, it&#8217;s essential to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What type of rental car insurance should I get?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-type-of-rental-car-insurance-should-i-get\/#more-149390\">Read more<span class=\"screen-reader-text\">What type of rental car insurance should I get?<\/span><\/a><\/p>\n","protected":false},"author":35,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-149390","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>What type of rental car insurance should I get?<\/title>\n<meta name=\"description\" content=\"What type of rental car insurance should I get? 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