If your car insurance does not cover rental insurance company you must purchase it from your rental car dealer. A basic car insurance policy usually offers a combination of collision damages waiver, physical damages waiver and loss damages waiver. This type of insurance can take care of your basic rental insurance needs. Besides the basic car insurance coverage, you can also purchase personal liability coverage or personal accident insurance.

In case you hurt a person or damage someone’s car or property with your rented car, personal liability coverage will provide you with coverage. The personal accident coverage on the other hand will pay for your and your passenger’s medical and hospital charges and any damage caused to your rented car in case of an accident. Under this coverage you get a one-time payment only