What should I do if I turn down the rental agency's liability insurance and get into an at-fault accident with a rental car?

I declined liability coverage through the rental car company and got into an at-fault accident. I did pay for the car with my Visa card, which has rental car coverage. Would I have any other default coverage?

Answer
“You’ll want to read through your rental agreement, as it will list any coverage that may be provided. However, since you did decline the liability coverage and were at fault, coverage most likely won’t be available for your situation.
You should definitely check the terms and conditions on your Visa card for rental car insurance as well. It may provide both liability and collision coverage.
Another option is your own car insurance, assuming that you have a policy. If you do, your insurance should provide some type of coverage for the rental car. You’ll want to reach out directly to your car insurance company to get more details.
If none of these options provide you with coverage, you will be responsible for paying for the damage on both the rental car and the other party’s vehicle, as well as any injuries. “
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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