Rental Car Insurance on Vacation: To Buy or Not to Buy

Carrollton Car Accident Lawyer
Written By Carrollton Injury Lawyer Joel Hudson

When you rent a car, the attendant will often ask you if you would like to purchase their additional insurance to cover the rental car. If you already have car insurance, then most of the time buying their insurance is not necessary, because your own car insurance will cover an accident in a rental car. Don’t take our word for it, this is a great time to double check your policy to be sure.

Check Your Auto Insurance Policy

You will want to find your insurance paperwork or open the app if you have it available. Using a mobile app ensures easy access to your policy information when you are on the go. Locate your insurance declaration page to view your coverage to see whether you are covered in a rental car.

If you have comprehensive, collision, and liability coverage, you probably don’t need the extra rental car coverage from the rental car company.

Read: Texas Minimum Auto Insurance Requirements

Credit Card Rental Protection

Certain credit cards offer car rental protection if you use the card to rent the car. However, the credit card rental protection is secondary insurance, meaning it only kicks in after your first policy pays. If you use a credit card to book your rental, check into the perks to see if it offers any additional coverage, but don’t rely on credit card rental coverage as your first line of defense.  

When Should You Buy Rental Car Coverage

In some circumstances, like if you don’t have your own auto insurance policy, you should buy rental car insurance to make sure you’re covered in the event of an accident or theft. Buying rental car insurance makes sense for you if:

  • You don’t have car insurance

  • Your car insurance policy doesn’t cover rental cars

  • You are renting your car for work – check with your company to see what type of coverage they have

  • You are renting internationally – some auto insurance policies don’t cover international rentals

If You are Injured in a Wreck in a Rental Car, Call Carrollton Injury Law

Car accidents are stressful and scary without the added complication of a rental car. If you are injured in an accident in a rental car and the accident wasn’t your fault, call Carrollton Injury Law for a FREE injury claim evaluation. Personal injury claims are all we do – let us help you get the most money for your injury claim, even if it’s complicated. We can handle it. Call or text us today at 972-450-9562 and we will show you how we put Personal back into Personal Injury Law.

Carrollton Injury Lawyer Joel Hudson

Thank you for taking the time to visit my website. I’m Joel Hudson, the founder of Carrollton Injury Law, located at 4221 Medical Pkwy, Suite 300, Carrollton, TX 75010.

With over 25 years of experience practicing personal injury law, I’ve built my firm on a simple belief: there’s a better way to handle injury claims. It starts with treating you like a person—not a number—and continues with consistent communication throughout your entire case. You can reach me directly at (972) 360-9898 to discuss your situation—I’m here to listen.

I’ve seen how a single injury can ripple through every part of your life, affecting not just you but your family too. That’s why my approach is different. At Carrollton Injury Law, we don’t just chase settlements; we focus on you. I’ve found that giving clients the extra attention many Dallas law firms overlook leads to happier clients, smoother dealings with adjusters who appreciate the updates, and, ultimately, higher injury settlements in less time. My clients often call me the “personal” attorney because we care about maximizing your recovery while also helping you navigate the disruptions a car accident or injury brings—whether it’s medical bills, lost work, or simply getting back to normal.

I earned my Juris Doctor from Texas A&M University School of Law in 1998, after completing my Bachelor of Arts in Communications and Business at Texas Christian University in 1992. Since being admitted to practice in Texas in 1998, I’ve dedicated my career to fighting for injury victims across the state.

At Carrollton Injury Law, we live by our motto: “We put Personal back into Personal Injury Law.” It’s not just a tagline—it’s how we work, every day, for every client.

If you’re ready to talk about your injury claim or just need some guidance, don’t hesitate to get in touch. I’m here to help you take the first step toward justice and recovery.

https://personalpersonalinjury.com/carrollton-injury-lawyer-joel-hudson
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