No, you don't need insurance to rent a car because rental companies have their own insurance. Car rental companies generally only offer minimum liability coverage, so if you don't have personal insurance, you'll probably want to purchase additional rental car insurance through the rental company. If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter. Some credit cards also offer rental car insurance, although they usually only cover damage to the rental vehicle itself and not liability for bodily injury or property damage.
Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries. In addition, we've ranked the auto insurance companies in Sandy Springs that best balance affordability and quality. Most car rental providers in Sandy Springs offer insurance, but the level of protection can vary substantially. Third-party car rental insurance covers medical expenses and damage to anyone's property in the event of an accident, except for you and the rental car.
If you don't have enough coverage through USAA to cover your rental car, you can take out insurance from the car rental company or see if your credit card company offers it. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay. Yes, the insurance covers reimbursement for the rental of the vehicle if you are not at fault for an accident and your vehicle is damaged. However, you may already have rental car insurance through your current insurance coverage or credit card.
Some companies sell separate policies for rental vehicles if you don't want to buy insurance at the counter. If you rent the car through your policy, your insurance company will recover the cost of the other insurer's claim through subrogation. If your car rental is covered by your standard insurance and you're willing to pay your normal deductible, it's okay if you don't have separate rental car insurance. Finally, buying insurance at the car rental counter is the most expensive option, but it adds convenience and peace of mind.
The cost of adding insurance to a rental car may exceed the daily cost of renting the vehicle, but it could be worth it if you can't afford the rental damage out of your pocket. Businesses located in the city of Sandy Springs that rent or lease motor vehicles designed to carry ten or fewer passengers for a period of 31 consecutive days or less are required to collect excise taxes. However, if the fault determination process takes longer, you may have to pay the rent yourself and be reimbursed by the at-fault driver's insurance company once the insurance adjuster has concluded its investigation.