Legally you don't need extra insurance to rent a car in the USA. When you hire a car in the USA, it is highly recommended to have Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) and Theft Protection (TP) coverage.
Does my car insurance cover rental cars in us?
If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States. If you're renting a car in the U.S. of similar value to your personal car, in all likelihood your auto insurance coverage will be adequate for the rental.
What insurance do I need when renting a car in USA?
Travellers to the USA and Canada need to consider three types of insurance, Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) and Supplemental Liability Insurance (SLI) when hiring a car.
Is CDW the same as excess insurance?
Collision Damage Waiver (CDW) - is not insurance, but an agreement to waive the costs of damage to your rental vehicle if it is involved in a collision. Frequently CDW has an 'excess' which is the first part of any claim which the renter will remain liable for.
Do I need SLI insurance in USA?
Most states in the US do not require SLI and so the car rental prices reflect that. However, you need to check the states you intend to travel to for more information. In Canada too, third-party liability is included in the car rental and you can opt-out of buying SLI.