When you rent a car, you can purchase liability insurance to protect you from damage to other vehicles or yourself if you have an accident. The coverage you purchase will likely follow you to the rental car, but if you don’t have your own policy, you’ll be reliant on the rental company to cover the costs. If you have your own auto insurance, you can also purchase supplemental coverage from the rental agency.
If you are involved in an accident, you should collect names of witnesses and passengers. Take photographs of the scene. You should also contact the investigating officer immediately. The investigating officer should be able to help you obtain a copy of the police report. Your insurance company will probably pay for your rental car for a reasonable amount of time while your car is being repaired. However, it is not required to cover your costs if the accident was your fault.
If you don’t want to carry your own insurance, you can always buy rental car insurance. However, it depends on the insurance company and the state you’re renting the car. It’s also a good idea to make sure you’re carrying enough coverage. Most rental car agencies will offer you rental car insurance if you ask them to. Some companies even offer add-on insurance coverage that you can purchase for extra money.