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- Car rental insurance in United States
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So you’re renting a car in the United States. No one wants to think about rental car insurance when taking in the sights, but buying rental car insurance can save you thousands. Save up to 50% versus equivalent coverage at the rental counter. We aim to pay 95% of claims within 7 business days, so you can save your USD for extra apple pie.
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At the rental desk...
Insurance offered & what you need to knowCollision Damage Waiver (CDW)
CDW/LDW waives damage costs with zero deductible. LDW is CDW + Theft Protection.- Can be purchased for US$20.00 - US$40.00 per day.†
- A claim on your personal auto insurance might negatively impact your premiums.
- The deductible is up to US$500 - US$1,000 if you rely on your personal auto policy.
- May be some additional accident-related fees.
Roadside Assistance Cover
Covers roadside costs such as towing, fuel and key lockout.- Optional at the rental counter for US$10.00 - US$15.00 per day.
Supplemental Liability Insurance (SLI or LIS)
SLI tops up the mandatory minimum liability insurance set to $1m-$2m . More info.- Optional at the rental counter for US$10.00 - US$20.00 per day.
Personal Accident Insurance (PAI)
Personal Accident Insurance compensates you for personal injuries (including passengers).- Optional at the rental counter for US$10.00 - US$15.00.
- Available in travel insurance policies instead.
Comparable protection
Supplemental Liability Insurance (SLI or LIS)
Supplemental Liability Insurance (SLI or LIS) provides coverage for damages or injuries you may cause to another person or their property while operating a rental vehicle. The liability coverage provided by the rental car company may be the state minimum requirement which can be $0. SLI may include significantly more coverage than your personal or business policies. Coverage is valid for rentals in the United States, except rentals that commenced in New York. You are permitted to drive in Canada if the rental was picked up in the United States. The policy provides you with:- Up to of supplemental auto liability coverage;
- Coverage for damage or injuries you cause to another person or their property. It is subject to the same conditions and limitations as the rental agreement and any other underlying insurance.
Collision Damage Protection
Our Collision Damage Protection (CDP) is equivalent to CDW from the rental companies.- You are covered up to $50,000 with a $0 deductible.
- CDP is primary coverage so it won't impact your personal auto premium (for covered losses up to $50,000s).
- Damage related charges and administration costs are reimbursed once the claim is approved.
- Cancel anytime before pickup.
- Covered up to the policy limit for each individual incident.
- Additional drivers on the rental agreement are automatically covered.
- Covers types of damage that the rental companies exclude, especially climate-related damage such as ice, hail, water/floods, snow, sand, wind, and more.
- Covers damages caused by road conditions including ice, ash, sand and gravel damage.
- Covers damages caused by collisions with animals.
- Cover damages caused by collisions with animals such as elk, moose or deer (as long as these types of accidents don’t go against the rental agreement).
- With RentalCover you are also subject to the terms of your rental agreement.
Pre-pay and save
Our Rental Car Damage Protection is available in connection with the largest online travel agencies globally or you can buy directly on RentalCover.com. Either way, you'll save up to 50% compared to the rental company's insurance.†
Take photos before and after
Take photos and videos of the vehicle at both pickup and dropoff. During your claim, we’ll ask you to provide these photos and details if there are any unfair charges from your rental company. Take the time to capture any pre-existing damage and nominate those in your rental agreement to avoid excessive charges.
Just say 'no'
If you've bought Collision Damage Waiver and/or Supplemental Liability Insurance with us, you can say 'no' to the hard sell for CDW/LDW or SLI from the rental company.
† We compared the costs of collision damage protection sold by Cover Genius Insurance Services, LLC on RentalCover.com to the average cost of collision or loss damage waivers (including taxes and fees) for a one week rental (December 11 - 17, 2016). Cost comparison is in U.S. dollars and is based on online quotes provided by Alamo, Avis and Hertz for an airport pickup and drop-off of a compact car in Boston, Dallas, Las Vegas, Orlando, and Portland for a U.S resident over age 25. No discounts applied.
With Collision Damage Insurance...
- Notify your rental car company of the damage immediately. If the costs are likely to exceed $3,000, please notify us via our claim form. You can check your policy wording at any time.
- Go to rentalcover.com/claim to report all incidents.
- Submit finalized invoices, photos, all written communications and other documents as requested. We usually resolve damage claims directly with the rental company (learn more).
