{"id":6635,"date":"2024-11-08T00:06:44","date_gmt":"2024-11-08T08:06:44","guid":{"rendered":"\/wp-site\/?p=6635"},"modified":"2025-12-08T13:16:27","modified_gmt":"2025-12-08T21:16:27","slug":"rental-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/rental-car-insurance\/","title":{"rendered":"Rental Car Insurance: What You Need to Know"},"content":{"rendered":"\n<p>When you&#8217;re standing at the rental car counter, the agent will inevitably ask: &#8220;Would you like to add insurance?&#8221; It&#8217;s a simple question with a complicated answer. You might <strong>already be covered<\/strong> through your personal car policy or credit card, but you also might not be. Understanding your options before you rent can save you money and stress.<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry has helped <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">125,991<\/span> <strong>drivers<\/strong> buy car insurance in the last year, including those who used their car insurance for a rental car.\u00a0\n<\/p>\n\n\n\n<p>Here&#8217;s what you need to know about protecting yourself <strong>without paying twice<\/strong> for coverage you already have.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1828\" height=\"2560\" class=\"wp-block-cover__image-background wp-image-49111 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg\" style=\"object-position:59% 73%\" data-object-fit=\"cover\" data-object-position=\"59% 73%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg 1828w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-214x300.jpg 214w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-731x1024.jpg 731w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-768x1075.jpg 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1097x1536.jpg 1097w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1463x2048.jpg 1463w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-900x1260.jpg 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-400x560.jpg 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-40x56.jpg 40w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-179x250.jpg 179w\" sizes=\"auto, (max-width: 1828px) 100vw, 1828px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need rental car insurance?<\/h2>\n\n\n\n<p>The short answer: <strong>it depends on what coverage you already have<\/strong>. Many drivers are already protected through their personal car insurance or credit card benefits, but not everyone.<\/p>\n\n\n\n<div class=\"wp-block-jerry-carrier-reviews-pros-and-cons\">\n  \n<div class=\"flex flex-col gap-7 md:flex-row md:gap-6\">\n<div class=\"flex flex-1 flex-col gap-3 md:gap-4 wp-block-jerry-carrier-reviews-pros-and-cons-item\">\n  <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n    <span class=\"iconify text-primary text-2xl i--thumb-up\"><\/span>\n    <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n      You should consider rental car insurance if you:    <\/div>\n  <\/div>\n\n  \n<div class=\"marker:text-primary font-circular text-base text-gray-600 *:!m-0 *:!pl-6 [&amp;_li&gt;*]:pl-2\">\n<ul class=\"wp-block-jerry-custom-list\">\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p><strong>Don&#8217;t have car insurance.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Only have <a href=\"\/car-insurance\/liability\">liability insurance<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Are renting <strong>outside the U.S. or Canada.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Are renting for <strong>business purposes.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Have a high<a href=\"\/car-insurance\/deductible\"> deductible<\/a> on your personal policy and want to avoid paying it in the event of an accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Want to <strong>avoid filing a claim<\/strong> on your personal insurance (which could raise your rates).<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"flex flex-1 flex-col gap-3 md:gap-4 wp-block-jerry-carrier-reviews-pros-and-cons-item\">\n  <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n    <span class=\"iconify text-primary text-2xl i--thumb-down\"><\/span>\n    <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n      You probably don&#039;t need it if:    <\/div>\n  <\/div>\n\n  \n<div class=\"marker:text-primary font-circular text-base text-gray-600 *:!m-0 *:!pl-6 [&amp;_li&gt;*]:pl-2\">\n<ul class=\"wp-block-jerry-custom-list\">\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>You have <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage car insurance<\/a>, which includes liability,<a href=\"\/car-insurance\/collision\"> collision<\/a> and<a href=\"\/car-insurance\/comprehensive\"> comprehensive coverage<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-jerry-custom-list-item *:my-0\">\n<p>Your credit card offers <strong>primary or secondary<\/strong> rental car coverage.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Check your personal policy and credit card benefits <strong>before you rent<\/strong>. You may already have the coverage you need.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What types of rental car insurance are available?<\/h2>\n\n\n\n<p>Rental car companies offer several types of coverage at the counter. Here&#8217;s what each one does and whether you&#8217;re likely to need it.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-d9e42b50 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);font-style:normal;font-weight:700;line-height:1\"><strong>Loss damage waiver (LDW) \/ Collision damage waiver (CDW)<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>What it covers: <\/strong>Waives your financial responsibility if the rental car is damaged, stolen or totaled.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Do you need it? <\/strong>Recommended unless it\u2019s covered by your credit card, or your personal car insurance policy includes collision and comprehensive coverage.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);font-style:normal;font-weight:700;line-height:1\"><strong>Supplemental liability insurance<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>What it covers: <\/strong>Increases liability coverage beyond the minimum included in your rental.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Do you need it? <\/strong>Recommended if your personal car insurance liability limits are the state minimum only.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);font-style:normal;font-weight:700;line-height:1\"><strong>Personal accident insurance<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>What it covers: <\/strong>Covers medical expenses for you and your passengers after an accident.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Do you need it? <\/strong>May not be needed if you have health insurance, or your car insurance policy includes medical payments coverage or PIP.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);font-style:normal;font-weight:700;line-height:1\"><strong>Personal effects coverage<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>What it covers: <\/strong>Covers theft of personal belongings from the rental car.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Do you need it? <\/strong>Not needed if you have home or renters insurance.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters: <\/strong>LDW\/CDW is the <strong>most commonly pushed coverage <\/strong>at the rental counter, but it&#8217;s also the one you&#8217;re most likely to already have through your personal policy or credit card. Always check before you pay extra.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Does personal car insurance cover rental cars?<\/h2>\n\n\n\n<p><strong>In many cases, yes.<\/strong> If you have<a href=\"\/car-insurance\/full-coverage\"> full coverage<\/a> (<a href=\"\/car-insurance\/liability\">liability<\/a>,<a href=\"\/car-insurance\/collision\"> collision<\/a>, and<a href=\"\/car-insurance\/comprehensive\"> comprehensive<\/a>) on your personal policy, that coverage typically extends to rental cars, with the <strong>same limits and<\/strong><a href=\"\/car-insurance\/deductible\"><strong> <\/strong><strong>deductibles<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>Here&#8217;s how a full coverage policy applies to a rental:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\ud83d\udee1\ufe0f<a href=\"\/car-insurance\/liability\"><strong>Liability insurance<\/strong><\/a> applies if you cause an accident in the rental car that injures others or damages their property.<\/p>\n\n\n\n<p>\ud83d\udca5<a href=\"\/car-insurance\/collision\"> <strong>Collision coverage<\/strong><\/a> pays to repair the rental car if you&#8217;re in an accident, <strong>regardless of fault.<\/strong><\/p>\n\n\n\n<p>\ud83c\udf27\ufe0f<a href=\"\/car-insurance\/comprehensive\"> <strong>Comprehensive coverage<\/strong><\/a> covers the rental car if it&#8217;s stolen, vandalized or damaged by weather or hitting an animal.<\/p>\n<\/div>\n\n\n\n<p><strong>If you don&#8217;t own a car<\/strong>, <a href=\"\/car-insurance\/non-owner\"><strong>non-owner car insurance<\/strong><\/a><strong> can provide liability coverage when you rent<\/strong>. This policy is ideal for frequent renters who want protection without relying on the rental company&#8217;s expensive coverage options.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Call your insurance company <strong>before you rent<\/strong> to confirm exactly what&#8217;s covered. A quick call can save you from surprises after an accident.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Avoid buying rental car insurance with Jerry<\/h2>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nThe cost of rental car insurance at the counter depends on the coverage and rental company, but it can quickly add up for a long trip. If you have your own car, you can <strong>get full coverage through the Jerry app, for as low as <\/strong> <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$187<\/span> <strong>per month<\/strong> to avoid having to get separate insurance for your rental.\n<\/p>\n\n\n\n<p>Jerry partners with over 50 insurance carriers and makes it easy to compare quotes side-by-side in the app. You can adjust your limits, add coverages and then quickly switch insurers in the app. You\u2019ll then be ready to go when you rent a car, knowing you\u2019re fully covered.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Does rental reimbursement coverage apply to my rental car?<\/h2>\n\n\n\n<p>Rental reimbursement is a <strong>separate coverage<\/strong> you can add to your personal car policy, and it&#8217;s <strong>not the same as rental car insurance<\/strong>. Here&#8217;s the difference:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-d9e42b50 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Rental car insurance<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Covers damage to a rental car you&#8217;re driving on vacation or a trip, and is purchased from the rental company.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Rental reimbursement<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Pays for a rental car when <strong>your personal car<\/strong> is in the shop after a covered accident. It\u2019s an optional coverage type you can add to a full coverage policy.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> While rental reimbursement can be valuable to have on your personal car insurance policy, it only applies to a rental car you&#8217;re driving if your personal car is being repaired after a covered accident.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    faq  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\ude97 <strong>What&#8217;s the difference between CDW and LDW?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>CDW (collision damage waiver) covers damage from collisions. LDW (loss damage waiver) includes collision damage <strong>plus theft protection<\/strong>. Many rental companies use these terms interchangeably.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcb5 <strong>Can the rental company force me to buy insurance?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>No.<\/strong> Rental car insurance is optional in the U.S. However, if you don&#8217;t have other coverage, the rental company may require you to purchase liability insurance to meet state requirements.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcc9 <strong>What are &#8216;loss of use&#8217; charges?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you damage a rental car, the rental company may charge you for the revenue they lose while it&#8217;s being repaired. CDW\/LDW from the rental company <strong>typically covers this<\/strong>, and your personal car insurance and credit card <strong>may not<\/strong>.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udee1\ufe0f <strong>Does my credit card cover additional drivers?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>Usually yes<\/strong>, as long as they&#8217;re listed as authorized drivers on the rental agreement. Check your card&#8217;s benefits guide to confirm.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udd27 <strong>What about rental trucks or moving vans?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Your personal auto insurance and credit card benefits <strong>typically don&#8217;t cover<\/strong> U-Hauls, moving trucks or large commercial vehicles. You&#8217;ll need to purchase coverage from the rental company.<br><\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udccb <strong>I don&#8217;t own a car. What should I do?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you rent frequently, consider a non-owner car insurance policy, which provides liability insurance.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u2708\ufe0f <strong>What if I&#8217;m renting internationally?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Your personal car insurance <strong>typically won&#8217;t cover international rentals<\/strong>. Check if your credit card covers the destination country. If not, purchase coverage from the rental company or a third-party provider.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You can purchase rental car insurance for around $10 to $30 a day from a rental agency \u2014 but you may not need it if you have a personal auto insurance policy.<\/p>\n","protected":false},"author":19,"featured_media":71344,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"184\",\"type\":\"main-author\"},{\"id\":\"17\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[184],"jerry_idx_page_label":"","jerry_meta_desc":"You can purchase rental car insurance for around $10 to $30 a day from a rental agency \u2014 but you may not need it if you have a personal auto insurance policy.","jerry_related_posts":"[31851,26931,23634,2662,4384]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,321],"class_list":["post-6635","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-rental-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=6635"}],"version-history":[{"count":13,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6635\/revisions"}],"predecessor-version":[{"id":72185,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6635\/revisions\/72185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/71344"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=6635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=6635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=6635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}