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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 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 3 business days (upon approval), so you can save your USD for extra apple pie.
: Car

At the rental desk...

Insurance offered & what you need to know
Collision 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 $US96.00.
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.
RentalCover.com Comparable insurance/full protection products & benefits
Collision Damage Waiver
Our Collision Damage Waiver combines the top coverage available from the rental companies. Our CDW includes the following:
  • Up to $35,000 coverage limit with a $0 deductible.
  • Our CDW is primary coverage so it won't impact your personal auto premiums.
  • Costly damage-related charges and administration costs are covered.
  • Cancel anytime.
  • Additional drivers on the rental agreement are automatically covered.
  • Excludes exotic cars.‡
  • Covers damages caused by road conditions, animals and other types of accidents that the rental companies often exclude.
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 $1 million 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.
These are our top tips to save money and hassle on your rental.

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...
  1. 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.

  2. Go to rentalcover.com/claim to report all incidents.

  3. Submit finalized invoices, photos, all written communications and other documents as requested. We usually resolve damage claims directly with the rental company (learn more).

Get a quote for your next trip

We provide protection for rental cars, including mini-vans, pickup trucks, and sport utility vehicles rented from a rental car agency. Does not cover commercial or offroad use or exotic cars.‡