What happens if I rent a car from Enterprise and get in an accident, but I don't have my own insurance?

I want to rent a car from Enterprise. I don't have my own insurance, and I really can't afford their additional supplemental liability insurance. What happens if I get into an accident?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you get into an accident with a
rented car
, you should have the state-minimum
liability coverage
under the rental car agreement—but this may not cover all the damages.
The good news: When you rent a car, the rental company is required by law to give you state-minimum liability coverage. It sounds like you declined their
supplemental rental coverage
, but you should still have the standard minimum liability.
The bad news: In most states, the bare minimum doesn’t cover much. If you were to hit someone, the rental company’s liability insurance would pay out up to the stated limits, but you’d be liable for anything over that amount.
If you’re concerned about coverage but you can’t afford the supplemental insurance, you may want to look at getting
non-owners car insurance
. It might be cheaper than the rental car company’s options, and it could offer you more coverage.
MORE: How to avoid being unfairly charged for rental car damage
View full answer 
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.

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