Do I Need To Buy Insurance Coverage When I Rent A Car?

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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: Jul 16, 2021

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This is a personal choice that the individual must make depending on his/her circumstances. Very often, there is no need to buy additional insurance from the car rental company because you may be covered already.

For instance, many credit and travel cards provide some auto coverage when you use the card for the car rental charge.

Your auto, health and homeowner’s (or renter’s) policies may also include provisions that will give you some liability and other coverage when using a rental car for vacation (not business).

Additionally, if you are renting the car while on company business, your employer may have an insurance plan.

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