Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 11, 2011

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Insurance Question from Las Vegas, NV

Asked on 03/11/2011

DO I NEED TO BUY INSURANCE IF I RENT A CAR RENTAL CAR INSURANCE

Answer given on March 11, 2011

If you already own a car and are renting for a trip or vacation,  your insurance policy will cover you, usually up to 30 days, and the rental car.  The rental car is covered as if it was your car, so the deductibles you have on your car would apply. Your insurance policy will not cover you if the rental car is damaged and out of service for a time.  The rental car company can charge you for that time out of service. If you do not have comprehensive and collision on your car, you should pay for the insurance from the rental car company, or sometimes a credit card will cover a rental car.  American Express and many gold or platinum cards will provide this coverage.  Call the credit card company that you will use for the rental.

If you do not own a car and are renting, you do need to purchase the insurance offered by the rental car compay.  I would purchase the best coverage available, to be sure you will not be responsible for any damage to the car.  Again, there is a possibility a credit card will cover the car, but it most likely will not provide liability coverage.


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