Do you need car insurance to drive a rental car?

No, you do not need your own personal car insurance in order to rent a car from Enterprise. We offer several different types of car rental insurance plans and protection products to help protect you in the event of an accident.

What happens if someone hits my rental car?

The rental car companies will tell you the way to absolve responsibility for damage to a rental car is to pay for expensive Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). But we have a better idea. Whenever possible, pay for car rentals with credit cards that provide primary rental car insurance coverage.

What happens if someone hits me in a rental car?

If you are injured by the driver of a rental vehicle, you may bring claims for your injuries and damages against both the driver’s personal auto insurance and the Rental Company. However, unless the renter elects extra coverage, the Rental Company will only be liable for $10,000 of your injuries and damages.

Can you repair a rental car yourself?

If the damage is minor it is generally advisable to have it repaired yourself before returning the rental car. Please remember that there is a risk involved because if the repair job is not done perfectly then the rental company may not accept it and you may end up paying to fix the damage twice.

What happens if you crash a rental car with insurance?

If the accident was your fault, you’re responsible for damage to the rental car and for any liability issues. Unfortunately, the rental company may charge you before the dispute is settled. If this happens, you’ll have to deal with the other driver’s insurance directly to get reimbursed.

Does insurance cover rental car after accident?

Yes—IF you have rental reimbursement on your policy On average, a car is in the repair shop for two weeks after an accident and renting a replacement vehicle for that amount of time can be costly.

What happens if you total a rental car without insurance?

If you don’t have coverage, the rental car company will offer you some. This protection may cover physical damage to your car, no matter who’s at fault, and some charges that the rental car company may put on you in the aftermath of an accident.

What happens if you crash a rented car?

If the accident was your fault, you’re responsible for damage to the rental car and for any liability issues. In the event you are not at fault, your rental company will work directly with the other driver’s insurance company. Note that it is usually illegal to drive a rental car without any insurance coverage.

What insurance do you need to rent a car?

You do need auto insurance to rent a car. If you do not own a car of your own, you can purchase what is called a “non-owners policy.” This type of policy will cover you in any car that you are driving. If you are frequently renting cars, the policy may be cheaper than purchasing the rental car company’s insurance.

How do you insure a rental car?

Here are the four main options you have for insuring your rental car: Insure online when you book. Protect your rental directly with the rental company. Insure your car through a third-party insurer. Don’t buy any additional insurance at all.

Should you buy rental car insurance?

If you don’t own a car and don’t have regular auto insurance, you may be required to buy some rental car insurance, depending on laws in the state where you drive. Even if you’re not required to buy coverage, it’s probably a good idea unless you’re prepared to cover all the costs of an accident.

Does car insurance cover a car rental?

If you have a personal car insurance policy, it includes liability coverage and any additional coverage you’ve opted for, such as comprehensive or collision. That coverage may extend to your rental car, as long as you drive it for personal use. The coverage limits and deductibles on your personal policy also apply to your use of a rental car.