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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 30, 2011

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Insurance Question from Los Angeles, CA

Asked on 10/30/2011

Car rental insurance Hi. I need advice re insurance for car rentals... can I purchace a personal policy that will cover vehicle that I am renting, even though I do not have a car yet?

Answer given on October 31, 2011

If I understand you, you do not have a car and therefore do not have car insurance that would cover a substitute vehicle that you are renting.  You can purchase rental insurance from the rental car company.  Call them and ask if their collision damage waiver (CDW) agreement covers you since you do not have car insurance.  Also, if you are renting the car on a credit card, call your credit card company and ask them if they will cover the rental.  Alot of credit cards now provide rental car insurance in their agreements. There are companies on the web that provide additional rental car coverage.  But be careful! Understand totally what they will and will not cover before signing. Read our article on CDW insurance.  Then call your rental car company.  They may have the answer you are looking for to help with insurance.     

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