4. You need to make sure you’re insured
Just like in any other car you drive, you’re liable for property damage and bodily injury you might cause to others while driving a rental car, as well as damage to the rental car itself.
When you pick up your rental, you have the option to buy 4 kinds of add-on rental car insurance: a collision damage waiver, which covers damage to the rental car; supplemental liability insurance, which adds substantially more coverage for injuries or damage to others or their property; as well as personal accident insurance and personal effects coverage. You can accept or decline each of these coverages.
If you already have car insurance, the coverages on that policy generally apply when you drive a rental car. Make sure you know what specific coverages you have. If you don’t carry comprehensive or collision coverage on your personal policy, for example, you won’t have those coverages for your rental car either unless you buy the add-on collision damage waiver from the rental company.
RELATED: Does your car insurance cover you when driving a rental car?
If you don’t have your own car insurance (like if you don’t have your own car), the rental company will provide the legal minimum of property and bodily injury liability coverage.
Keep in mind that liability coverage only covers damage to other people’s property, not the rental car, and the legal limits are typically low. If you were found at fault in a crash that totals your rental car and another person’s car, and you only had the legal minimum insurance, you could end up paying tens of thousands of dollars out of pocket to replace both cars.