      
  4.9 
   146 reviews

Do I Need Car Rental Insurance Coverage?

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Kantrowitz, Goldhamer, Graifman, Perlmutter & Carballo, P.C.

10b9db026d89119e951a851045ac17eee7784f79

Written/Reviewed By:

Barry S. Kantrowitz, Esq.

Last Updated: Jul 23, 2026

Read Time: 2 mins

Have you checked out a rental car and been asked by the agent to purchase additional insurance coverage? Should you? It really comes down to whether or not the agreement you have with your personal car insurer covers rental vehicles.

CNN had an interesting story about this recently, saying that the costs of additional insurance coverage for a rental vehicle can add up to anywhere from $15 to $30 per day. However, the news outlet reported that many times, the coverage is not necessary.

The network reported that personal insurers cover a majority of drivers who may be spending money unwisely. In addition, in cases where personal auto insurance companies do not cover people, their credit card companies could cover them.

According to CNN, major credit card issuers Visa, American Express, MasterCard and Discover provide some form of rental car insurance coverage to customers. The network reported that to receive coverage, you must place your entire car rental bill on your credit card and decline the supplemental coverage offered by the rental company. Note, with some cards, this coverage may not be available, so you will want to check with your company to ensure coverage.

Remember, if you are renting a car for business purposes, your personal auto insurer and credit card company may not cover damages caused by an accident. In any scenario, your best option may be to check in with your personal insurer and credit card issuer to see what coverage is provided.

Should I Talk to an Attorney If I Am Injured in a Vehicle Accident?

If you have been injured in a vehicle accident, contact our attorneys immediately. Do this before you talk to the other driver’s insurer, as you could lose out on compensation.

Keep in mind, auto accidents can result in serious injuries like broken bones, spinal cord injuries and brain injuries—you can obtain damages to help pay for the treatment of these injuries through a lawsuit.

Kantrowitz, Goldhamer, Graifman, Perlmutter & Carballo, P.C. – Rockland County Personal Injury Lawyers

KGG’s Corner: If you are traveling overseas and renting a car, make sure to check in with your auto insurer to get information about coverage.

Source: http://money.cnn.com/2014/06/30/pf/insurance/rental-car-insurance/

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Client Reviews

    
 
 
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   LWelsh 
 22 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Clever and efficient.
  
 
     Posted on Google  
   Kenny Perlow 
 43 days ago
 
 
 Trustindex verifies that the original source of the review is Google. KGG Law, and Barry Kantrowitz in particular, set the bar high for what a thorough, practical, strategic, compassionate and smart lawyer can be. Everything about Barry's advice and representation was exemplary and the stress mitigation that resulted was invaluable. On top of that, the ultimate result Barry achieved was beyond what was reasonable to expect and we are forever grateful. Often, people say that you hire a lawyer to prevent a problem. Sometimes, unfortunately, you need an attorney to solve a problem and I could not recommend Barry and his firm any more highly in that regard.
  
 
     Posted on Google  
   Aliza Ali 
 107 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My dad had a great experience with this law firm. From the very beginning, the team was professional, knowledgeable, and always willing to answer our questions. They kept us informed throughout the entire process and made what could have been a very stressful situation much easier to handle. We truly appreciated their dedication, honesty, and hard work. Thanks to their support, my dad felt confident every step of the way. We are very grateful for everything they did and would highly recommend this firm to anyone looking for reliable legal representation.
  
 
     Posted on Google  
   Jana Montero 
 110 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had a wonderful experience working with Sam Smith. He was very responsive, thorough, and easy to work with from start to finish. He walked me through everything clearly and made what started as a very stressful situation for me into something completely manageable. I would not hesitate to recommend him and the firm!
  
 
     Posted on Google  
   Mike Sakmann 
 116 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I sought legal advice regarding an employment matter and had an excellent experience working with Sam Smith, Esq. at KGG Law. Sam was thorough, attentive, and took the time to listen carefully to my concerns before providing clear, thoughtful guidance. I appreciated the professionalism and care shown throughout the process, and I would confidently recommend KGG Law to anyone in need of legal assistance.
  
 
     Posted on Google  
   Liz Hecker 
 122 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can't say enough about this firm. They manage to comfort you during the whole legal process while staying professional and doing what is right. I would recommend them to anyone and also hire them again if I need legal help.
  
 
     Posted on Google  
   Brandy Miller 
 145 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Kate is the best. She helped me very quickly, and was very attentive with all of my needs. So thankful for her
  
 
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   Mike Greenspan 
 158 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Kate Carballo is a dedicated, passionate, and creative attorney whom I had the pleasure to lecture with at a state trial lawyer's conference. Kate's lecture demonstrated how she uses her innovative and "out-of-the-box thinking" to achieve outstanding results for her injured clients. That Kate is certified by the Supreme Court of New Jersey as a civil trial attorney is a testament to her skills, experience and commitment to excellence.
  
 
     Posted on Google  
   Jonathan Sampson 
 165 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Was referred to KGG law by a friend and could not have asked for better legal representation. They walked me through every step of the process after my accident and began every call with “ how are you feeling” which was just one example of how much they care about their clients. They handled my case very efficiently, professionally and courteously. My attorney Kate Carballo was a rock star! So clearly experienced, she consistently made me feel at ease with the process. Highly recommend
  
 
     Posted on Google  
   Vinnie Kung 
 168 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with the team at KGG Law. While it was a traumatic time for our family, they made it very easy for us and explained all of our options. They even performed due diligence to make sure that after our settlement, there would be no further issues which I think is even more important than the settlement itself. Thank you!

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Do I Need Car Rental Insurance Coverage?

Should I Talk to an Attorney If I Am Injured in a Vehicle Accident?

Why Trust Us?

Rockland County, New York

Bergen County, New Jersey