There are a few different types of rental car insurance policies, including:
- Loss Damage Waiver (LDW): LDW covers the cost of damage to the rental car, regardless of who is at fault.
- Collision Damage Waiver (CDW): CDW covers the cost of damage to the rental car if you are at fault.
- Liability Insurance: Liability insurance covers you if you are found liable for damage to someone else's property or injuries to someone else.
- Personal Accident Insurance: Personal accident insurance covers you and any passengers in the rental car in case of injury.
- Personal Effects Coverage: Personal effects coverage protects your belongings if they are lost or stolen from the rental car.
The type of rental car insurance you need depends on your specific situation and budget. If you are planning to rent a car in the United States, you will typically be required to purchase LDW and CDW. However, if you already have car insurance, you may be able to decline these coverages and rely on your own policy for coverage.
It is important to note that rental car insurance does not cover all types of damage. For example, rental car insurance typically does not cover damage to the rental car if it is used for commercial purposes or if it is driven off-road. You should also check your rental car insurance policy for any other exclusions or limitations.
If you are unsure about what type of rental car insurance you need, you can contact the rental car company or a third-party insurance provider for more information.
