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If you're not otherwise covered, I think it makes sense to accept their liability insurance, since that could involve significant sums. But yes, most should dec
by DominikPeters 5y ago
If you're not otherwise covered, I think it makes sense to accept their liability insurance, since that could involve significant sums. But yes, most should decline damage waivers etc.
- fy20 5y agoI guess that is different between the EU and US: Here in Europe, for almost all car rentals the maximum you will pay even if you rear end another car is around €1500 (may be higher depending on the class of the car). However as I understand, they are well within their rights to charge you that even for a tiny mark on the bumper. It is mandatory for all vehicles (rental or not) to have insurance that covers damages to the other party in the event of a RTI - this is on the responsibility of the vehicle owner and covers anyone authorised to drive it. We don't have crazy medical bills so this is usually quite cheap (I pay €120/year). This covers everything, so if you hit a brand new Rolls Royce which ends up being totalled you aren't on the line to pay anything extra. Of course you will need to pay to fix your car. There is also comprehensive insurance that covers damages to your own vehicle. This takes into account your driving experience and value of your car, so can range from a few hundred to thousands (I pay €600/year for a 12yo Toyota). If I decide one day I feel like driving into a tree, I just need to pay a €100 access fee and the insurance company will fix my car. The €1500 is the equivalent of that access fee. Paying for the extra rental insurance reduces how much of that €1500 you need to pay (well, I think you still need to pay, but can claim it back). There is also third party car rental insurance providing the same cover, which last time I took it, was something like €50/year.