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malcolmk14 · 07-23-2015, 09:19 PM

Hi there,

My girlfriend is going to the US in a month, and we've gone and rented cars in the past but I'd just like to get some input on the different types of car rental insurance.

If anyone would be able to help out that'd be great.

She has the Capital One Aspire Mastercard and through that she has "Car Rental Collision/Loss Damage Waiver" insurance, and it says to decline the collision damage waiver insurance from the car rental company. What exactly does Collision/Damage cover?

Is it necessary to add any of the other insurances that the rental companies offer? For example, Thrifty offers Personal Accident Insurance and Personal Effects Insurance, as well as Supplemental Liability Insurance, and Uninsured Motorist Protection. What do those cover and are they worth it?

Last time we rented a car in LA, we declined the Collision/Damage insurance and bought Supplemental Liability, and the insurance cost almost as much as the rental.

If anyone would be able to explain in Layman terms, that'd be awesome!

07-23-2015, 09:19 PM	#1
malcolmk14 Franchise Player Join Date: Jan 2008 Exp:	Renting a car (insurance) in the States Hi there, My girlfriend is going to the US in a month, and we've gone and rented cars in the past but I'd just like to get some input on the different types of car rental insurance. If anyone would be able to help out that'd be great. She has the Capital One Aspire Mastercard and through that she has "Car Rental Collision/Loss Damage Waiver" insurance, and it says to decline the collision damage waiver insurance from the car rental company. What exactly does Collision/Damage cover? Is it necessary to add any of the other insurances that the rental companies offer? For example, Thrifty offers Personal Accident Insurance and Personal Effects Insurance, as well as Supplemental Liability Insurance, and Uninsured Motorist Protection. What do those cover and are they worth it? Last time we rented a car in LA, we declined the Collision/Damage insurance and bought Supplemental Liability, and the insurance cost almost as much as the rental. If anyone would be able to explain in Layman terms, that'd be awesome!