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What kind of insurance do I need to rent a car?

What kind of insurance do I need to rent a car?

May 25, 2015
Car rental companies offer a wide variety of alternatives to insure the car you rent. There are basic insurance packages that are required; as well as other optional packages that the customer can choose from, depending on the amount of vehicle use, available budget, and the sense of confidence the customer wants to have while driving a rental car. In this article, we tell you everything you have to know about booking a car with a car rental service.


Collision Damage Waiver and Loss Damage Waiver insurance cover collision damage, theft or any accidents that may have occurred during the time of rental. These insurance packages are offered with or without deductibles. For insurance with a deductible, the insurance company is responsible for covering up to a certain amount of money in case of an accident; after that amount, the customer is charged with the difference. Without a deductible, the customer is liable to cover all potential damage of the vehicle. The CDW and LDW insurance does not cover any third party damage.

It is important to note that the insurance coverage is not effective in case of the customer showing negligence or misuse of the vehicle (for example, driving under the influence of drugs or alcohol, filling the car with the wrong type of fuel, etc.)

This type of coverage is offered at the counter of the car rental companies for USD $25 - $30 per day.


LIS (Supplemental Liability Insurance): covers up to one million dollars, the damage caused to third parties, either damage to another vehicle or injury to those who are in it. The amount of coverage can vary in some states.

EP (Extended Protection), SLI (Supplemental Liability Insurance) and ALI (Additional Liability Insurance), are insurance packages for any damage to third parties, with extended coverage over a million dollars.

This type of coverage is offered at the counter of the car rental companies for USD $11 - $15 per day.


PAI (Personal Accident Insurance): provides coverage for the driver and passengers in case of an accident that causes injury or death during the rental period. This insurance is only valid if the accident happens while the passengers are in the vehicle.


PEC (Personal Effects Coverage): covers the loss or theft of the driver’s or passengers’ belongings during the duration of the rental, even if the theft or loss occurs while not being in the vehicle. The coverage that most car rental companies offer is limited to a maximum amount, which may vary in some states.


RP (Roadside Plus): a service of mechanical assistance and other small emergencies, such as lost keys, tire replacements or fuel provision on the road, at no additional cost.

It is worth mentioning that it is always cheaper to rent a car that has the basic auto insurance included. RentingCarz offers combined coverage plans that allow you to drive in the U.S. without any problems and for the best prices. The rate plan we always recommend is the Total Protection rate plan with RentingCarz, which covers loss or collision protection with no deductible (CDW / LDW), damage to third parties; as well as many other convenient benefits; such as additional drivers and unlimited mileage. Customers always save more than USD $30 per day or $200 on a weekly rental, when they reserve the Total Protection rate products from RentingCarz vs buying these coverages directly from the car rental counters.

Rent a car, minivan or SUV through RentingCarz at the best price with the most reputable rental companies on the market. Reserve a car online and fully enjoy Miami and other destinations, such as Fort Lauderdale, Orlando, Las Vegas, Houston.