Car Rental Extra Damage Waivers

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The Collision Damage Waiver (CDW), also called the Loss Damage Waiver (LDW), is offered by the car rental company at the time of rental. It covers damage to the rental car if you are complicated in an accident.

The CDW isn't insurance, and it only covers only damage to the rental car. It doesn't cover property damage or personal injury. If CDW is purchased, the car rental company waives some or all of its right to gain from you for physical damages to the car.

Sounds good, but how much is it going to cost? It depends on a few things, including the state in which you rent and the type of rental car. Typically though, it runs anywhere from $9 to $20 per day.

Do you need to spend the extra cash on it? It depends. You should take a look at a couple things before deciding, preferably before you even walk through the doors of the car rental company.

Your own auto policy may provide coverage for car rental. Call your insurance agent to check before you get to the rental car provider. If your current policy doesn't provide this type of coverage and you will be purchasing a rental car on a regular basis, you may want to talk to your agent about adding it.

Another place to check for coverage is your credit card. Some cards provide a car rental collision damage protection service. Ask a representative from your credit card company to see if you are eligible for these services, and if so, what is covered. Often, you would need to charge the rental car on your credit card to take appropriateness of this benefit.

Finally, if your car rental purchase is for work, ask your employer about the CDW. Your employer may have coverage that includes car rental and would make purchase of the CDW unnecessary.

So you thought you’ve heard everything you could about this subject? Think again. There’s a lot that you don’t know (or thought you did, but you were given the wrong information). Our experts give you the latest information and the most accurate information—you’ll never see this topic the same way again.

Be sure to search all of the above options before you go to get your rental car. You need to comprehend all the limitations and exclusions on these policies to make an informed conclusion about CDW. For specimen, numerous credit card programs exclude truck rentals.

Well, what are the reasons you should get the CDW when you get a rental car? The obvious reason is when you aren't covered for car rental through any of the above options. There are also some other things to weigh in your decision.

The first is "loss of use". This is what a car rental company would charge for losses incurred because it could not make money on a damaged rental car. CDW will pay for this, while in most states, this isn't covered under an auto policy.

Check with your insurance agent to see if your state is an exception. If you get stuck with these charges, you'll be paying $6,000 - $12,000 out of your own pocket in the event of an accident.

Another factor is up front remittance. Some car rental companies want full payment from you abruptly in the case of rental car damage. In this case, you have to wait to get reimbursement from your insurance company. This might be too much of a monetary burden or inconvenience for some.

The final factor is just peace of attention. If $9 to $20 a day relieves your worry over your rental car and allows you to enjoy your holiday more, it's probably worth it.

After reading the article above you may ask yourself “did it take the writer a lot of time to do all of that research?” The answer to that is YES. The experts we ask to write the articles for the website are known for their fanatical attention to detail and quest for information so you are assured you are only getting the best.

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