The short answer
US personal auto policies extend liability, comp, and collision to short-term rentals in the US and Canada — you keep your existing deductibles. Gaps: loss of use (rental company's lost income while their car is being repaired), diminished value, and administrative fees are often not covered. Credit-card CDW fills those gaps if you charge the rental to the card.
Frequently asked
- Do I need the rental company's insurance?
- Usually no if you have comp/collision + a good credit card CDW. Yes if liability-only.
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