Renting a car can be convenient, but choosing the right insurance coverage is an important part of protecting yourself on the road. Knowing what’s included in a rental car insurance policy can help you avoid unexpected costs and feel confident during your trip.

What Rental Car Insurance Covers

Most rental car insurance options include protection for damage to the rental vehicle, liability coverage for injuries or property damage you may cause, and coverage for medical expenses resulting from an accident. Some policies also include protection for personal belongings inside the rental car.

Types of Coverage You May Encounter

Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) helps cover repair costs if the rental car is damaged or stolen. Liability insurance covers damages to other people or property. Personal Accident Insurance offers medical coverage for you and your passengers. Personal Effects Coverage protects belongings inside the vehicle.

Check Your Existing Policies

Your personal auto insurance or credit card may already provide rental car coverage. Before purchasing coverage at the rental counter, review your existing policies to avoid paying for duplicate protection.

When Additional Coverage Makes Sense

Buying extra coverage may be beneficial if you have a high deductible on your personal policy, are traveling internationally, or want added peace of mind for unfamiliar driving conditions.

Understanding these coverage options helps you make the best decision for your trip and ensures you’re protected from unexpected costs along the way.