Insurance when Renting a Car:
You only need non-owners insurance. It is relatively inexpensive and lasts for the term that you have the rental car. Most rental companies provide this type of insurance as part of the rental package.
The renters responsibly varies from state to state. The rental company will offer you a protection package which includes LDW/ALI/ PEP/PAI
LDW/CDW= waiver the cover the cost of only the rental car
ALI= covers 3rd party damages
PEP= covers personal belongings, stolen damage in vehicle
PAI= Personal accident Insurance covers medical bills, in and out of the car
These are not included in the rental fees. Each one is separate and you are charged a daily fee which varies and the state and the type of vehicle you are renting.
Also just a little side note, if you rent a car and drive out of state and get into an accident out of state, your responsibility changes to that state's law regardless of where you actually rented the car.
If you already have full coverage auto insurance, there is no need to purchase additional insurance for your rental car. The only event where you would need the insurance from EZ Car Rental, was if you were to get into an accident, they would cover the cost of the time lost for the rental. If you don't purchase their insurance and get into an accident, you will have to pay for the days they are out money for not being able to rent the car out.
Auto Rentals and Auto Insurance CoverageUsually your standard lines car insurance policy does transfer when you rent a car.Limited lines policies generally DO NOT transfer to a rental car.It is always best to check with your auto insurance agent first, before you rent a car and assume you have coverage and to also find out if you have any applicable deductibles.An example I can give you is that when we vacationed in Hawaii and rented scooters, our auto owners insurance would not cover us because we were in the state of Hawaii, which had some type of exclusion. So, is best to check with your agent before you rent your transportation.
Not without insurable interest in a car. If you do not have a car, you do not need to have insurance. If you rent a car, you can get insurance for the rental, but that is a temporary policy. If you have permission to drive the car, you should be insured under the policy of the person from whom you borrowed the car.
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