Can you take a rental car when you do not have any personal vehicle or auto insurance?

March 19, 2017 · Posted in FAQ 
car insurance
Jeff Revs asked:

I do not have any car insurance right now. I am planning to get a car rental for a month. Do I need to get some insurance for this? What happens if cop pulls me up will rental agreement be sufficient?

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Comments

7 Responses to “Can you take a rental car when you do not have any personal vehicle or auto insurance?”

  1. Ozeki on April 11th, 2009 3:32 pm

    you need to have your own insurance but if you don’t have it just buy theirs

  2. nickipettis on April 12th, 2009 9:08 pm

    i am not sure about the police aspect – partly because i don’t know where you live, what laws are in effect.

    But when you rent a car, they OFFER you insurance.
    it seems to me that that would cover it. Of course, you need a driver’s license.

  3. Lemme guess on April 15th, 2009 8:12 am

    The rental companies provide insurance for the car, so you will be fine if you are pulled over. The problem that is if you are in a wreck, the rental company’s insurance will repair the rental, but YOU will be on the hook for the damage to the other driver’s car (assuming it’s your fault). In this case, it would be a good idea to purchase the supplemental insurance option. I think it only goes up to $15,000 so think about if that would be enough if you were in a serious accident and caused lots of damage and medical bills to the other driver.

  4. Nate W on April 18th, 2009 4:34 am

    You’ll have to purchase the rental company’s insurance. You can’t even get insurance outside of that because you don’t own a car to insure. Insurance through the rental car company is sufficient for police.

  5. StanS on April 20th, 2009 5:57 pm

    If you don’t have insurance, buy theirs – it’ll be expensive.
    If you get stopped just show the cop he rental papers. It’s their car.

  6. entidtil on April 24th, 2009 1:05 am

    Simple: You need to buy the rental companies insurance. They will offer it at the time of rental. Keep in mind that most credit card companies will cover the Collision Damage Waiver insurance (CDW) when you use their card to pay for the rental. Check with your credit card company

  7. jwizzo25 on April 24th, 2009 3:09 am

    Try using to compare car insurance rates for all the major providers in your area.

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