Rental Guide

for residents of
United States

Car rental insurance in United States

We could not find a policy for this destination and residence combination
So you’re renting a car in United States . Of course, no one wants to think about car rental insurance when taking in the splendor of the sights, but buying rental car insurance before you go could save you thousands, so it’s worth doing. At RentalCover.com, we’ve built a global business around giving customers better coverage at a better price. And we pay 98% of claims within 3 business days, so you can save your USD for extra apple pie.
I'm renting a: Car

At the rental desk...

Insurance offered & what you need to know
Collision Damage Waiver (CDW)/Loss Damage Waiver (LDW)
CDW/LDW waives damage costs in full with zero deductible. LDW is CDW + Theft Protection.
  • Can be purchased for US$20.00 - US$40.00 per day.
  • Any claim on your personal auto insurance will negatively impact your premiums.
  • The deductible is usually US$1,000 - US$1,500 if drivers rely on their personal auto plan.
  • May not cover accident-related fees.
Roadside Assistance Cover
Covers roadside costs such as towing, fuel and key lockout.
  • Can be purchased for US$10.00 - US$15.00 per day.
RentalCover.com Comparable insurance & benefits
Collision Damage Insurance
Our Collision Damage Insurance is equivalent to CDW from the rental companies.
  • $0 deductible.
  • CDI is primary coverage so it won't impact your personal auto premiums.
  • Claims are handled and paid by AON.
  • Cancel up to the day of departure for free.
  • We guarantee to beat any price!
  • Covers types of damage that the rental companies exclude. We cover climate related damage including hail, ash, sand and gravel damage and wind-blown doors.
  • Covers 4x4s on unsealed roads if permitted by the rental agreement.
Extra Cover for United States
Extra Cover covers all roadside assistance related costs as well as exclusions and fees not covered by your CDW, up to the policy amount. You will need to have CDW/LDW coverage during your trip for our Extra Cover policy to be valid.
  • Includes free cover for roadside assistance, key loss, towing, relocation, loss of use fees & more (save up to 50% compared to policies from rental companies.)
  • Includes damages commonly excluded by rental companies.
  • We guarantee to beat any price!
 
These are our top tips for outsmarting your car rental company.

Buy insurance before you go and save

If you don’t want to be on the hook for costly exclusions, buy rental car coverage before you go. With us, you’ll pay a fraction of the cost of insurance at the rental desk.

Capture the condition of the vehicle

Take pictures & videos of the vehicle before you leave to avoid unfair charges. Ensure any existing damage is marked up on the rental agreement as some cheeky rental car companies tend to charge customers for existing damages.

Just say 'no'

If you've bought Collision Damage Insurance with us, you can say 'no' to the hard sell for CDW/LDW from the rental company.

If you've bought Extra Cover with us, you can say 'no' to the hard sell for roadside assistance from the rental company.

With Collision Damage Insurance...
  1. Notify your rental car company of the damage immediately.

  2. Go to www.travelclaim.com to report all incidents.

  3. Submit any bills or required documents. Our underwriter AON will resolve any damage claims directly with the rental company.
With Roadside Assistance...
  1. For roadside assistance, use the number provided in the glove box by your rental car company. We will reimburse your expenses when your claim is approved.

  2. For any other damages excluded by your CDW, keep the receipts and file your claim on rentalcover.com/claim once your rental has finished.

Get a quote for your next trip

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Coverage for vehicles with less than 9 seats (including driver).