What is Rental Car Collision Insurance?
Rental Car Collision Insurance also known as a Collision Damage Waiver (CDW) or rental car damage protection—helps cover the cost of repairing or replacing a rental car if it is damaged or stolen during your trip.
Key Benefits :- Accident Coverage: Pays for damage caused by collisions or accidents.
- Theft Protection: Covers loss if the rental car is stolen.
- Vandalism Coverage: Protects against malicious or intentional damage.
- Natural Disaster Protection: Covers damage from events like storms, floods, or other natural disasters.
Tips : This insurance ensures that you don’t have to pay the full cost of repairs or replacement out of pocket.
Why is Rental Car Collision Insurance Important?
Rental car collision insurance is important because it protects you from significant financial liability in case of an accident or damage to the rental vehicle. Without this coverage, you could be responsible for costly repairs, replacement costs, and even legal fees if you cause damage to another vehicle or property.
What are the Benefits of Rental Car Collision Insurance
- Financial Protection : Covers repair or replacement costs, reducing out-of-pocket expenses.
- Peace of Mind : Allows you to drive without worrying about potential damages
- Flexible Coverage Limits : Plans typically offer coverage up to $35,000, $50,000, or $100,000, depending on your choice.
- Combined Travel Protection : Many travel insurance plans include rental car coverage along with medical and trip protection.
How Rental Car Collision Insurance Works?
- Purchase rental car collision coverage through American Visitor Insurance for affordable and reliable protection.
- If the car is damaged or stolen, you file a claim with the insurance provider
- The provider covers the cost of repairs or replacement up to the policy limit, minus any applicable deductible.
Do I need Insurance for Rental Car Insurance?
You may already have coverage through:
- Your personal auto insurance policy
- Credit cards that include rental car protection
- You don’t have sufficient coverage from your insurance or credit card
- You want extra protection for high-value rental vehicles
- You’re traveling internationally, where your domestic insurance may not apply
Which is the Best Insurance Plans With Rental car collision Benefits?
Rental car collision is a crucial feature in travel insurance, providing safe transport during serious medical emergencies. Through American Visitor Insurance, travelers can compare some of the best plans offering strong evacuation benefits to ensure reliable care and secure transfer to the nearest medical facility or back home when needed.
International Medical Group (IMG) Insurance
International Medical Group (IMG) Insurance
- Offers premium rental car collision coverage with protection up to $40,000, giving travelers strong financial security against damage or loss during their trip.
- Provides Rental car collision coverage up to $40,000, offering strong protection against unexpected damage or loss to your rental vehicle during your trip.
Trawick International Insurance
Trawick International Insurance
- Provides Rental car collision and coverage up to $50,000, offering travelers strong protection for their rental vehicle during the trip
- Provides Rental car collision coverage up to $50,000, offering travelers strong protection for their rental vehicle during the trip
Seven Corners Insurance
Seven Corners Insurance
- Provides up to $35,000 in Rental car collision and travel protection for international trips.
- Provides up to $35,000 in Rental car collision and travel protection for international trips.
HTH Worldwide Insurance
HTH Worldwide Insurance
- Provides Rental car collision and travel protection coverage up to $35,000, ensuring safety during international trips.
How much does Travel Insurance with Rental car Damage coverage cost?
The cost of travel insurance with rental car damage coverage ranges from $41 to $255, for a 15-day trip, with a trip cost of $1,000.This variation is dependant on the traveler’s age, trip duration, and trip cost. Additionally, some plans include rental car damage coverage as part of the benefits, while others offer it as optional coverage, which can vary the overall cost.
| Plan Name | Rental car Damage | Age 20 traveler cost | Age 40 traveler cost | Age 60 traveler cost |
|---|---|---|---|---|
| Itravelinsured SE IMG | $40,000 per covered vehicle | $41 | $56 | $74 |
| Trip Protection Basic seven corners | $35,000 (Add-on coverage $7 per day) | $41 | $54 | $77 |
| Travel Insurance Select Plus Travel Insure | $25,000 | $53 | $67 | $95 |
| Travel Insurance Select Elite Travel Insure | $35,000 | $76 | $80 | $138 |
| Trip Protector Preferred HTH Worldwide | $35,000 | $77 | $87 | $107 |
| Safe Travels Armor Trawick International | 150% of Insured Trip Cost | $230 | $243 | $255 |
| Safe Travels Rental Plus Trawick International | $25,000 (Add-on coverage) | $128 | $128 | $139 |
| Safe Travels Defend Trawick International | $25,000 (Add-on coverage) | $219 | $230 | $239 |
| Itravelinsured LX IMG | $40,000 per covered vehicle | $102 | $114 | $138 |
How to Choose the Right Policy for Rental Car Insurance?
- Check coverage limits : Ensure the policy offers sufficient coverage for potential damages.
- Understand exclusions : Review what is not covered, such as certain types of damage or specific vehicle categories.
- Compare deductibles : A lower deductible means less out-of-pocket expense in case of a claim, but may increase the premium.
- Compare providers : Compare options from American Visitor Insurance for the best combination of cost and coverage.
Why Choose American Visitor Insurance for Rental Car Coverage?
American Visitor Insurance is a trusted provider of travel insurance plans for international visitors and travelers to the United States. Their rental car collision coverage provides:
- Financial Protection: Coverage for accidents, collisions, theft, and vandalism.
- Flexible Limits: Plans with coverage up to $35,000, $50,000, or $100,000, depending on your travel needs.
- Affordable Rates: Competitive pricing for comprehensive coverage.
- Convenient Integration: Combine rental car coverage with trip cancellation, medical, and baggage insurance.
- Peace of Mind: Know you are protected throughout your trip, avoiding costly out-of-pocket expenses
Travel Insurance for Rental Car in USA - FAQs
Most rental cars are eligible, as long as they are legally rented and listed on the rental agreement. Specialty or exotic vehicles may have limitations.
If you have collision coverage through a travel insurance plan, purchasing extra coverage at the rental counter is usually optional.
- You are visiting from another country
- If you do not have personal auto insurance
- You want financial protection from unexpected damage
- You want peace of mind during your trip
Yes, if you have other insurance you can compare and buy your insurance through American visitor insurance
Yes, definitely. Foreign auto insurance typically does NOT cover rentals in the U.S.
No. For damage to other people’s cars or property, you need liability insurance, not collision insurance.
