PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Do I need to buy additional rental car insurance if it already comes with the state-minimum liability coverage?
My credit car company provides the collision coverage, so I can waive that charge on the rental contract. However, they want to charge an extra $20 per day for the liability coverage. The state minimums are included free of charge; why would I pay for more?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you have an active personal car insurance policy with higher limits, you won’t have to worry about adding the extra coverage from the
rental car insurance
. Your policy will extend these limits for you automatically if you are renting the car for personal use. Even though you don’t own the rental car, you are fully responsible for any accident you may cause. If the damages from an accident exceed the state-minimum limits, you will have to pay out of pocket and with your future earnings for any excess liability the policy doesn’t cover.
If you don’t have an underlying auto policy, $20 per day may save a lot of money for you in the long run if something goes wrong. “
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
.jpg&w=64&q=75){kind=avatar}
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
