Understanding Rental Car Insurance

Schedule Brake Pad Replacement
Service Area

$124.62 - $450.29

Price range for all vehicles
Average rating from 10,732 customers who received a Brake Pads Replacement.

Rental cars are used for a variety of reasons. Some folks prefer them for road trips, take them out after flying to new cities, or need them while their own vehicle awaits or undergoes repairs. Whatever the case, you want to be protected physically and financially while out on the road.

Insurance covers the cost of damages that may occur. However, the extent to which regular car insurance providers cover rental car scrapes varies. Additionally, many rental car companies have their own processes for purchasing insurance and differ in how they approach outside coverage. Know the ins and outs of the 4 types of rental car insurance to determine if it’s something you need for your next trip.

Rental Car Insurance

Rental car companies generally offer 4 varieties of insurance at the counter. It tends to be more expensive than other options — sometimes even more than the car itself. Despite the cost, it does prevent you from many unanticipated fees you may encounter should anything happen to you and your rental car. See rental car options for:

1. Liability coverage. Liability protects you if you hurt someone or damage their property while operating the rental vehicle.

2. Collision Damage Waiver (CDW). The CDW (or LDW, for loss damage waiver) doesn’t technically qualify as insurance, but the purchase of this waiver typically covers the cost of repairs from damage. It does tend to be on the pricey side, and often costs more per day than the car itself. This document protects you from paying for:

  • Damage repair. The CDW covers the cost of damage done to the vehicle, whether minor or major, except in a few cases like those involving tires. It also won’t cover damage caused by driving on unpaved roads or speeding.
  • Loss of use. This is calculated as the potential revenue lost while the car is in the repair shop, despite the number of other available cars the company has. Oftentimes, your own insurance policy won’t cover this charge.
  • Towing. If the car cannot be driven back to the return station, the CDW will take care of the cost of the tow truck.
  • Diminished value. Rental cars usually sell their cars within two years. The “diminished value” is the loss of potential resale value due to the damage you caused.
  • Administrative fees. These fees vary depending on the claims process.

2. Personal effects coverage. This covers the cost of personal items, like a cell phone or suitcase, stolen from the rented vehicle. If you already have homeowners or renters insurance, loss of personal property, even in a rental car, may already be covered.

4. Personal accident insurance. If you and your passengers suffer injury from an accident in the rental car, this can help pay medical bills. Your personal car insurance may include medical payments coverage or personal injury protection in case of a rental car accident. Such accidents may also be covered under your health insurance costs.

Other Insurance Options

If you choose not to purchase rental car insurance while renting a car, other insurance companies may be able to cover liability, car damage, lost or stolen items, or personal accident costs depending on the policy. What the CDW covers may differ from what your provider is willing to cover. Additionally, you may have to wait for reimbursement for any charges otherwise covered by the CDW.

You can avoid the high cost of a rental car company’s insurance with:

Personal Insurance: This includes car, health, homeowners, etc. insurance from your preferred insurance company. It may be limited to certain states, but can potentially cover everything a rental company offers to cover for a different price. This includes, but is not limited to:

  • Comprehensive coverage: to repair rental car damages from danger, theft, or natural disasters.
  • Collision coverage: to help pay for damages from colliding into another vehicle or object. This may not extend to everything noted in the CDW.

Credit Card Insurance: Certain credit card providers offer auto insurance and rental car insurance if you take out the rental using that credit card. Check with your credit card issuer before assuming it covers all potential damage costs to the rental car. It might not cover diminished value or administrative costs.

Third-Party Travelers Insurance: You may be able to rent a car through a travel agency that gives you the option of buying collision coverage at a relatively low price per day. However, this does not include everything, and you may have to pay out of pocket for damages later.


Next Step

Schedule Brake Pad Replacement

The most popular service booked by readers of this article is Brake Pad Replacement. Yourmechanic’s technicians bring the dealership to you by performing this job at your home or office 7 days a week between 7AM-9PM. We currently cover over 10k cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent Brake Pad Replacement reviews

Excellent Rating


YourMechanic Brake Pad Replacement Service

Average Rating

4.9/5

Number of Reviews

10,732

Rating Summary
10,227
323
67
33
82
10,227
323
67
33
82

Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE