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Insurance / waivers

Although frequently not explicitly stated, US car rental companies are required by respective state law to provide minimal liability coverage, except in California, where the driver is solely responsible.[6] This covers costs to a third party in the event of an accident.[7] In most states it is illegal to drive a car without liability coverage. The rental car companies have liability with their vehicles, however some companies will charge for this, should you not provide your own insurance. As an example, in Maryland the minimal level of liability coverage is $20,000 for bodily injury and $15,000 for property damage.[8]

It is typical, when renting a car, to be offered various forms of supplemental insurance and/or damage waivers as an optional extra at additional cost. There are several types of coverage:

▪ Loss Damage Waiver (LDW) – sometimes also referred to as Collision Damage Waiver (CDW) - covers the costs of damage to the rental vehicle in the event of an accident. In some countries the purchase of LDW covers all costs after an "excess" fee has been paid (e.g. all costs are covered after the first $500). Often a "Super" insurance product is available which makes this excess amount zero. Note that LDW/CDW coverage is not insurance and does not offer the same coverage as a damage insurance policy.[9] ▪ Supplemental Liability Insurance (SLI) – a product often sold in the USA which provides coverage in the event of an accident causing bodily injury or property damage to someone other than the renter and passengers. ▪ Personal Accident Insurance (PAI) – covers medical costs and accidental death for the renter and passengers in the event of an accident during the rental. ▪ Personal Effects Coverage (PEC) – insures against risk of loss or damage to the personal belongings of the renter (and sometimes the members of the renter's family while traveling with the renter) during the period of the rental. ▪ Excess Insurance – When a