What do I need to know about car rental insurance in New York?

What do I need to know about car rental insurance in New York?

In New York, car rental insurance typically includes liability coverage, collision damage waiver, and personal accident insurance. It's important to check if your personal auto insurance or credit card offers coverage.

Is it mandatory to have insurance when renting a car?

Yes, New York law requires rental companies to offer insurance options, but you can decline if you have your own coverage.

What happens if I get into an accident with a rental car?

If you're in an accident, contact the rental company and your insurance provider immediately. They will guide you through the claims process.

Can I use my personal car insurance for a rental car?

Yes, if your personal car insurance policy covers rental cars, you can use it. Just confirm the details with your insurer.

What is the difference between liability and collision coverage?

Liability coverage pays for damages to others if you're at fault, while collision coverage pays for damages to your rental car regardless of fault.