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Is there a good source of info on rental car liability insurance? (self.asklemmy)

submitted 7 months ago* (last edited 7 months ago) by vatlark to c/[email protected]

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I want to know if the car I'm renting comes with liability insurance. I just want to be sure that if I am at fault in an accident, that the other car will be covered. Lets try to ignore any personal car insurance policy and let's ignore collision insurance for now.

I am under the impression that in many countries they are required to give you liability insurance when you rent the car, but I don't have a good source. Many articles have mixed information.

For the US, this article says:

For a registered car rental company in the US, they must provide a minimum level of liability protection for cars they rent out.

But this other article says

In the U.S., every state requires a minimum amount of liability insurance on car insurance policies, so you may already have liability coverage through your personal auto insurance.

Which sounds like in the US your personal insurance is all you have.

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[–] bandwidthcrisis 2 points 7 months ago (1 children)

The distinction that I'm concerned about is that this isn't a charge from the repair company, it's a fee decided by the rental company. Unrelated to the cost of the repair.

It wasn't an invented example, the figures I gave are what they tell me they will bill me for any repair that's needed.

So thank you for clarifying, but I don't think that I'm musunderstanding what an excess is. I'm just wondering if the excess protection would still cover these arbitrary charges from the _rental company.

[–] [email protected] 2 points 7 months ago

In Europe, yes it does. In the US, I wouldn't trust anycunt 😂