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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. Of course, no one wants to think about rental car insurance when taking in the sights, but buying rental car insurance before you go could save you thousands in repair costs. We’ve built a global business around saving customers 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.
I'm renting a: 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 Coverage
Our Collision Damage Coverage (CDC) is equivalent to CDW from the rental companies.
  • You are covered up to $35,000 with a $0 deductible.
  • CDC is primary coverage so it won't impact your personal auto premiums.
  • Damage related charges and administration costs are reimbursed once the claim is approved.
  • Cancel anytime
  • Covered up to the policy limit for each individual incident.
  • Additional drivers on the rental agreement are automatically covered.
  • Covers types of damage that the rental companies exclude, especially climate-related damage such as ice, hail, water/floods, snow, sand, wind, and more.
  • Covers damages caused by road conditions including ice, ash, sand and gravel damage.
  • Covers damages caused by collisions with animals.
  • Cover damages caused by collisions with animals such as elk, moose or deer (as long as these types of accidents don’t go against the rental agreement).
  • With RentalCover you are also subject to the terms of your rental agreement
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 can be none at all or as low as the state minimum requirement. SLI coverage may also be considerably more than the coverage provided by 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 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

RentalCover.com is sold by the largest online travel agencies globally and you can buy directly on RentalCover.com, saving you up to 50% compared to the rental companies.

Take photos before and after

Take photos & videos of the vehicle at both pickup and dropoff. We’ll ask you during the claim to provide these and to provide details of 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.

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).

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