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Frequently Asked Questions

On this page you'll find answers to the questions we get asked most often. Simply click on a question on the left hand of the page to find the answer. If you can't find what you're looking for, use the "Ask a Question" box to ask us a question via email.

 

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For answers to policy-specific questions, please select a State from one of the drop downs below depending on whether you're a U.S. resident or you're visting from another country.

OR

Select a FAQ from the list below

How should I answer the "Are you a U.S resident" question when applying for coverage?

U.S. Resident includes all U.S. Citizens. Additionally, Lawful Permanent Resident (LPR) may select U.S. resident when applying for coverage. Lawful Permanent Resident (LPR) means any person not a citizen of the United States who is residing the in the U.S. under legally recognized and lawfully recorded permanent residence as an immigrant. Also known as "Permanent Resident Alien," "Resident Alien Permit Holder," and "Green Card Holder." Any person on temporary travel to the U.S. or foreign national non-immigrant student VISA holders should select no when answering the "Are you a U.S resident" question.

Is there a difference between CDW and LDW?

CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) are industry standard terms. The definition of these vary by provider. Some CDW coverage covers theft and other CDW coverage does not. Policies available for purchase on Insuremyrentalcar.com cover direct physical loss (including collision, theft, fire, and vandalism) to a Rented Automobile.

It so happens that Collision Damage Waiver (CDW) is mentioned as the name for the coverage on the website, but on the policy the name of the coverage is called Loss Damage Waiver (LDW).

Do you carry liability?

Unfortunately, we are currently unable to provide third party liability. The insurance available for purchase through Insuremyrentalcar.com covers the rented vehicle only. Most rental car agencies make third party liability available. Please check with your rental agency for terms and pricing.

Do i have coverage in all states of the USA?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US that is permitted by the terms of the rental agreement. If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying, then you are permitted to travel anywhere in the US while in a car covered by the rental agreement, provided that travel to such state is permitted by the terms of the rental agreement. If we do not have an insurance policy available for sale in the state in which you reside or the state you are initially staying upon arriving in the U.S., you will not be able to purchase a policy

What language will I receive my documents?

Your documents will be sent to you via e-mail, in English.

What are the driving license requirements of the policy?

US Residents

In order to be insured, you must have a valid drivers license that is accepted by the car rental agency and valid in the state or territory where you are renting the vehicle.  Check the department of motor vehicles in the state where you live to learn more about the requirements.  You can only get a driver's license from the state where you live.  Once you receive your U.S. driver's license from a state motor vehicle department, you can drive in all U.S. states.

 

Non-U.S. Residents (short term visitors)

If you plan to rent a car when you visit the United States, check the driving rules in the state(s) you'll be visiting to verify that you can use your Non-U.S. driver's license.  You should get an International Driving Permit (IDP), which translates the information contained on your official driver's license into 10 pages.  The United States does not issue International Driving Permits to foreign visitors, so you will need to obtain this document in your country before you travel to the United States.

 

 

What documents do I need to show the rental company?

Each rental company has its own requirements. Some may ask you to provide proof of insurance, in order for them to rent you a car, and if no such proof is shown, it is not uncommon for them to demand you to purchase insurance from the rental car agency/company. For this reason, we highly recommend that you print your insurance documents, which are sent in the confirmation e-mail, and show them to the rental company.

How quickly can coverage start?

The earliest your policy can incept (begin) is the next day, e.g if today is January 1st, the earliest your policy can incept is January 2nd. Therefore, book in advance to ensure you have insurance on the dates you require.

What information do I need to provide?

In order to purchase a policy with us, we will ask you to provide personal information. These will include; name, address, date-of-birth, contact telephone numbers and e-mail address.

For Non-US residents, we will also require the address where you will initially be staying when arriving in the U.S.  This can be the address of a residence (if visiting family or friends) or of your hotel or rental home.

How will my documents be delivered?

You will receive your documents via e-mail; therefore it is extremely important that the information you provide us during the purchasing process is both accurate and up to date.

Do I have coverage in all states of the USA?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US. 

If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying, then you are permitted to travel anywhere in the US while in a car covered by the rental agreement.. 

If we do not have an insurance policy available for sale in the state in which you reside or the state you are initially staying upon arriving in the U.S., you will not be able to purchase a policy.

Is insurance payable on an excess basis? Is there a deductible?

No, this insurance is primary and does not have a deductible.  It covers you up to *$100,000 CDW. You can also upgrade your policy to include personal accident coverage and personal effects coverage, all of which are primary and have no excess/deductible. 

*depending on which state and length of cover you select

I'm traveling to a different state, am I still insured with Insuremyrentalcar.com?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US, provided that crossing state boundaries does not conflict with the terms and conditions set out in the rental agreement.  

If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying upon arriving in the U.S., then you are permitted to travel anywhere in the US, provided that crossing state boundaries does not conflict with the terms and conditions set out in the rental agreement. 

 

My credit card has travel insurance including CDW. Do I still need insurance with Insuremyrentalcar.com?

If your credit card includes CDW, it is more than likely that it will be excess of your own personal auto policy, therefore you may still be liable for your standard auto deductible should the vehicle be stolen or damaged. Some personal auto insurance policies may not cover you for damages incurred while in a rental car; therefore our policy would be suitable in your situation. CDW/ LDW offered through your credit card in many cases also has restrictions on territories, for example outside the US. Read your policy carefully to fully understand what is covered, and whether or not this includes Rental Car Insurance.

What methods of payment does Insuremyrentalcar.com accept?

We accept American Express, VISA (credit and debit) and MasterCard .  We will also be accepting PayPal in the near future, but that is currently in development.

Can the rental company charge money on my credit card in the event of damage/ loss?

It depends on the rental car company. Each has their own policy and loss control procedures that will be outlined in their individual rental agreements. Some companies take an imprint of your credit card, while others reserve against your credit card, a sum equal to the renter’s liability as outlined in the rental agreement.

I am an annual policyholder. What happens at renewal?

If you purchase one of our Annual Policies, you will be contacted via e-mail prior to the end date of your current policy. It is very important to keep us updated with your correspondence contact information, as we deliver policy documents and notifications through this format. If you are a current Policyholder and have any changes to your contact information please Click Here to inform us where we need to update your profile. 

Can Non-U.S. Residents buy a policy?

People who are not resident of the USA can buy a policy from Insuremyrentalcar.com provided that the following conditions are met:

  1. The policy is being purchased to cover a single rental period
  2. The Policyholder is initially staying in one of the states where coverage is available.
  3. The policy holder has a legal right to drive in the USA (for example, a full driving licence from their country of origin and an international driving permit)