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Car Rental Insurance in New York

How you can secure your car rental insurance in New York. There are at least three possible options between:

  • - Buy insurance locally at rent a car provider in New York
  • - Check if your credit card company covers car rental insurance in United States
  • - Buy additional insurance policy before you start your trip with your rental car in New York.

How it is possible? Very simple, you just need to know where are you travelling, what is your travel start date, and how many people drives the car. Of course valid credit card/debit card must be present, when you purchase car rental policy for your New York trip.

Car rental insurance types:

  • Personal Accident Insurance - provides accidental death and medical coverage for the renter and additional passengers while you are driving together. This policy is additional, so check before if this policy covers your rental car.
  • Personal effects coverage - provides protection against loss or theft of personal belongings from the rental car. You need to check before if it is included in your car rental policy.
  • Additional liability insurance is an optional insurance that protects the renter against claims made by third parties.
  • Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). If a rental car is damaged, the renter may be responsible for amount of money for damage (the deductible) up to the full price of the car. By purchasing CDW, the renter is released from responsibility of any loss or damage to a vehicle up to the full value of the car. CDW/LDW is usually an optional feature, however, a few companies in New York require renters to purchase this waiver. Determine whether or not you need CDW/LDW before you arrive at the rental counter in New York.