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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 United States. Of course, no one wants to think about car rental insurance and collision damage waivers when taking in the splendor of the sights, but buying rental car insurance/full protection products 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)
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/full protection products & benefits
Collision Damage Coverage
Our Collision Damage Coverage (CDC) is equivalent to CDW from the rental companies.
  • $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
 
These are our top tips for ensuring you don’t get overinsured.

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 pre-existing damage is marked up on the rental agreement as some rental car companies tend to charge customers for pre-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.

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

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

  3. Submit any bills or required documents. Our underwriter US Fire will resolve any damage claims directly with the rental company.

Get a quote for your next trip

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Covers cars (& standard vehicles like SUVs, wagons, 4x4s) that don't need special licences and aren't for commercial or offroad use. Click "Change" to check availability for campervans, motorhome/RVs, offroad 4x4s & buses.