Car rental insurance can be confusing, but smart renters know what coverage they need. Here are key points to keep in mind for Columbus (and anywhere in the U.S.):
- Check your own auto insurance: In most cases, your regular auto policy extends to rental cars for personal use. AAA advises “contact your insurance company” ahead of time to confirm what’s covered csaa-insurance.aaa.com. If you have comprehensive/collision on your car, it typically covers damage to a rental (subject to your deductible) csaa-insurance.aaa.com. Likewise, your standard liability coverage (Ohio requires minimal liability by law) usually carries over csaa-insurance.aaa.com. Understanding this can help you decline redundant insurance at the counter and save money.
- Credit card benefits: Many credit cards offer secondary rental car insurance if you use the card to pay. Call the number on your card and ask about coverage limits (often collision damage) csaa-insurance.aaa.com. Remember, credit card coverage is usually secondary to your auto policy. If you crash, you’d file with your auto insurer first, then the card’s coverage for anything remaining. If you have neither auto insurance nor strong card coverage, consider the rental company’s Collision Damage Waiver (CDW), known as a Loss Damage Waiver csaa-insurance.aaa.com. It absolves you of financial responsibility if the car is stolen or damaged.
- Understand the waivers and protections: The rental counter will offer several add-ons. A Loss Damage Waiver covers vehicle damage/theft/loss-of-use fees csaa-insurance.aaa.com. If you already have auto insurance, you may not need it. Liability insurance tops up your liability beyond Ohio’s minimum. A typical policy “includes liability coverage” but rental companies may offer higher limits csaa-insurance.aaa.com. Personal Accident Insurance covers medical costs for you/passengers, but your health or auto medical coverage might already handle that csaa-insurance.aaa.com. Personal Effects Coverage insures belongings left in the car, though your homeowner’s or renter’s policy may cover theft csaa-insurance.aaa.com.
- State-specific notes: Ohio law requires drivers to have at least $12,500 per person and $25,000 per accident liability insurance. This is quite low, so in a serious crash you could face big bills unless you have supplemental coverage. If you’re driving a rental for business, check if your employer’s insurance (or your company card) provides coverage. Always read the rental agreement: check what your rate includes and what it doesn’t. For instance, toll pass fees or undercarriage damage may not be covered unless specifically added.
- At pick-up: When you’re at the desk, have proof of insurance ready (some companies ask). If you decline the company’s coverage, they’ll often require a credit card hold for the deductible. Make sure to take a photo of the rental agreement page that lists coverages, so there’s no confusion later. For safety net, note roadside assistance contact info in case of a breakdown (AAA or rental’s service).
By planning ahead and knowing what your existing policies cover, you’ll avoid unnecessary costs. AAA’s advice to “contact your insurance and credit card” up front csaa-insurance.aaa.com is sound — it helps you decide whether the rental’s extra insurance is worth it for your trip. When in doubt, err on the side of coverage for peace of mind, especially if you’re unfamiliar with driving in Ohio (like winter conditions).
For a stress-free rental in Columbus, trust The Pluto LLC. We’ll walk you through all coverage options and pick the best plan for your needs. Drive confidently, knowing you’re protected without breaking your budget.