Should You Buy Rental Car Insurance? Pros and Cons Explained
Renting a car can be a convenient way to travel, whether you’re on vacation, on a business trip, or your vehicle is temporarily out of commission. But right before you drive off the lot, you’re faced with a familiar question at the rental counter: Do you want to purchase insurance with that?
If you’ve ever hesitated or felt unsure, you’re not alone. Here’s a breakdown of the pros and cons of buying rental car insurance to help you make a confident decision the next time you rent.
The Pros of Buying Rental Car Insurance
1. Peace of Mind
One of the biggest advantages is the peace of mind that comes from knowing you’re covered. If anything goes wrong — from a fender bender to theft — you won’t have to deal with your personal auto insurance or pay out-of-pocket.
2. Protects Your Personal Insurance
If you use your personal auto insurance for a rental, any claims can impact your rates. Rental insurance helps you avoid filing through your own policy, preserving your premium and avoiding deductible payments.
3. Additional Coverage
Rental insurance often includes extras not covered by personal insurance, like loss-of-use fees (charges for the time the rental is out of commission), administrative fees, and roadside assistance.
4. Simpler Claims Process
With rental insurance, the rental company typically handles claims directly. This can be much faster and less stressful than going through your personal insurance provider.
The Cons of Buying Rental Car Insurance
1. It Can Be Expensive
Rental car insurance can add $10–$30 or more per day to your rental costs. If you’re renting for several days or weeks, that adds up fast.
2. You May Already Be Covered
Many drivers already have sufficient coverage through their personal auto insurance, credit cards, or travel insurance. Paying for duplicate coverage is essentially throwing money away.
3. Confusing Terms
Rental companies often offer multiple types of coverage (collision damage waiver, liability, personal accident insurance, etc.), and it can be unclear what’s necessary or redundant — especially under pressure at the counter.
4. Coverage May Still Have Gaps
Even with rental insurance, you might not be fully protected. For instance, some policies don’t cover damage to tires, the undercarriage, or windshield — all of which are common damage points.
So, Should You Buy It?
It depends. Ask yourself the following:
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Does my personal car insurance cover rentals?
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Does my credit card offer rental car insurance?
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Am I traveling internationally, where my coverage might not apply?
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Do I want to avoid the hassle of filing claims?
Consumer Reports suggests “before you get to the rental counter, find out exactly what your credit card and personal auto insurance protect you against, paying special attention to the common coverage gaps and special circumstances.”
If you’ve been injured due to someone else’s negligence, contacting Queener Law is a crucial first step in protecting your rights. Our experienced personal injury attorneys understand the physical, emotional, and financial toll an injury can take, and we’re here to help you navigate the legal process with clarity and confidence. At Queener Law, we fight to secure the compensation you deserve so you can focus on healing and rebuilding your life. Don’t wait—your recovery starts with the right legal team by your side.