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State Farm® is here to help!
Chances are, if you already have State Farm car insurance with collision and comprehensive coverage, it'll carry over to your rental car. But what's covered and how much depends on your specific policy and several other factors. You might also have coverage for any personal effects that may be damaged or lost in an accident if you have State Farm homeowners insurance.
Additionally, if you've purchased travel insurance on the trip you are on, that insurance may offer rental car coverage.
For most people traveling for personal reasons, paying extra for coverage from a car rental company is probably a waste of money. But there are a few situations when you should consider it:
Many credit card companies offer rental car insurance as a perk. Contact your card issuing company to see if they provide this car insurance coverage, how much, and what limitations there may be. There is no reason to pay extra for coverage if it's already provided.
Be aware that most credit cards only provide secondary coverage. That means your primary coverage may come from your auto insurance policy and you'll have to pay any deductibles and may see your rates increase if you're in an accident.
At the rental car office, you're likely to encounter certain insurance-related terms. "LDW" stands for Loss Damage Waiver, and it limits the amount you'd be responsible for if your rental vehicle is damaged or stolen. "CDW" is similar, but it only covers losses caused by collisions.
While these options are usually referred to as "insurance", they're really "waivers" since the rental car company is waiving its right to hold you accountable for certain types of loss.
You may also be offered "PEC" (Personal Effects Coverage) which covers personal effects, or "PAI" (Personal Accident Insurance) which covers personal injuries while renting a vehicle.
Disclosures and Disclaimers
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