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The United States is a prized tourist destination in any season of the year. If you decided to travel on your own and you already have that list of parks, restaurants, squares, shopping centers or any location you want to know, get ready. If you do not want to depend on public transport, renting a vehicle upon arrival is one of the best options you can have.
We tell you the importance of hiring insurance and what insurance you should hire when renting a car in the USA.
What is it and why should you take out insurance when renting a vehicle?
An automobile insurance policy is a contract that covers damage to the vehicle in the event that it is affected by some type of accident. It also covers the affectation or damage to third parties or their properties. In the case of car rental, insurance operates in the same way, with the exception that you must declare in the rental contract the coverage that you are willing to pay.
It is important that you take into account that, in the event that an incident, accident or theft occurs and you are not covered by the rental contract made, you must cover the damages that may occur. Hiring insurance prevents you from having to have a bad time and cancel your trip.
The insurances contracted in the car rental companies normally cover damages due to a possible accident, theft of the vehicle or its accessories; civil liability, in the case of damages to third parties and personal accidents, is also included. In many countries roadside assistance can be part of this alternative, in the event of any unexpected incident on the routes.
What insurance should you take out when renting a car in the USA?
- Collision damage waiver or CDW (Collision Damage Waiver): exempts you from the obligation to cover all the repair of the damages that may be caused in an accident on the rented vehicle. Only the limit, or deductible, indicated in the coverage of the rental contract will be paid. CDW is normally included in all contracts, as it is regulated by law. The advantage is that it can circulate throughout the national territory of the United States.
- Exemption from loss damage or LDW (Loss Damage Waiven): as in the previous case, but includes losses arising from the theft of the vehicle up to the amount of the franchise agreed.
- Exemption from loss damage or LDW (Loss Damage Waiven): as in the previous case, but includes losses arising from the theft of the vehicle up to the amount of the franchise agreed.
- The extension of civil liability coverage or SLP (Supplemental Liability Protection) is also included by many rental companies.
The extension of civil liability coverage or SLP (Supplemental Liability Protection) is also included by many rental companies.
Additionally, if you are under 25 years of age, you must purchase a supplemental policy in order to rent a vehicle in the USA.
What insurance to hire when renting a car in Miami?
When hiring a car rental in Miami, Orlando or any location within the United States, the minimum mandatory coverage is the exemptions from liability in the event of accidents: CDW.
In many cases, tourists who travel to the Florida area for the first time are recommended to check well and hire additional coverage.
Final recommendations
When they ask you what insurance you should take out when renting a car in the USA, you will already be clear about the scope of the contract. Also, always remember:
Read the rental agreement well, the small letters always have something to say.
- Check the vehicle before leaving the rental company.
- You must compulsorily have a credit card for hiring.