FAQ’s (Frequently Asked Questions)

What is Renter’s Contingent Liability Insurance (RCLI)?

Renters Contingent Liability Insurance (RCLI) is a type of insurance that provides liability coverage for rental car customers who do not have their own adequate insurance, ensuring protection against third-party claims during the rental period.

Are my personal belongings covered in the rental car?

Yes, if you purchase Personal Effects Insurance (PEI), your luggage and personal belongings are covered if they’re stolen from or damaged in the rental car, excluding electronics, sunglasses, currency, and digital items like cell phones.

Can I buy insurance for a rental period exceeding 24 hours?

Yes, of course! The maximum is 30 days of coverage. Our coverage starts at the start time on the car rental agreement you sign at the rental counter and runs in consecutive 24-hour increments for the term you purchased.

What does Supplemental Liability Insurance (SLI) cover?

SLI covers medical expenses for people injured in another vehicle if your rental car is involved in an accident where you are at fault.

What is Collision Damage Warranty (CDW), and how does it work?

Collision Damage Warranty (CDW) covers the cost of damage to your rental car in case of an accident that involves a vehicle-on-vehicle collision, protecting you from out-of-pocket repair expenses.

Is coverage available nationwide in the United States?

Yes, all of our insurance options provide nationwide coverage, ensuring you’re protected no matter where your rental takes you within the United States.

Can I purchase coverage if I’m a foreign visitor renting a car in the United States?

Absolutely! Our insurance options are available to both U.S. residents and international visitors renting cars in the United States.

What should I do if I need to file a claim?

To file a claim, contact Car Rental Association Inc. by emailing claims@carrentalassociation.com, calling (843) 385-4041, or submitting the online claim form. They will handle the process professionally and efficiently.

Can I purchase coverage after picking up my rental car?

No, coverage must be purchased before the rental period begins. Your coverage starts at the time specified in the rental agreement when you sign at the rental counter.

Does Personal Effects Insurance (PEI) cover items left in plain sight?

Yes, PEI covers luggage and personal belongings stolen from the rental car, even if they were in plain sight. However, exclusions apply to electronics, sunglasses, currency, and digital items like cell phones.

How do I know how much coverage I need?

The amount of coverage depends on your rental car agreement and personal needs. You can select the appropriate coverage duration and type to ensure you’re fully protected during your rental period.

Why should I buy insurance through CarRentalInsurance.com instead of the rental counter?

Our insurance options are significantly more affordable than those offered at rental counters, and we provide clear, comprehensive coverage without hidden fees, giving you the best value and peace of mind.