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Insurance in Arizona is about to change. One of the most frequently-asked questions about Az insurance is: Do I need to buy insurance when I rent a car?

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CDW often duplicates coverage you already have. Many regular auto insurance policies cover damage to rented cars, although the fine print may restrict the types of rentals it covers. Before you turn down the rental coverage, though, it’s important to know what kind of coverage you already have.

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If you carry collision insurance on your own car and your policy also covers rented—technically called nonowned—vehicles, it is safe to decline the collision damage waiver. As for liability insurance, your own auto policy should protect you and your passengers in a rented car as well as in your own car.

For example, if a rental car is stolen from you, the loss of the vehicle itself might be covered as a theft loss under your policy. But the insuring agreement for physical damage losses only applies to direct loss. If it takes some time for the insurance company to settle the claim, the rental car company might incur additional losses because the car is not available to earn rental income by renting it to someone else. This would be a loss of use expense for the rental car company. Whether the insured is legally liable for this loss might depend upon the circumstances of the theft and the content of the rental car agreement you’ve signed.

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Coverage may also depend on whether you use the car for business or pleasure or whether your vehicle at home is still being used in your absence. Some policies limit the number of rental days covered each year. Others apply deductibles and lower liability limits to collision coverage—and therefore rental car coverage. Az insurance may be limited.

CDW isn’t the only additional insurance rental companies may try to sell you. Other kinds include:

• Supplemental liability insurance. Unlike the CDW/LDW this option protects the renter against property-damage or personal-injury claims over and above basic liability limits provided in the rental agreement—usually the minimum required by state law.

• Personal-effects coverage. This provides limited reimbursement Az insurance to the renter for loss of baggage and other personal property during the rental period.

• Personal accident insurance. This provides limited accidental-death benefits for the renter and—often—passengers.

Of these, supplemental liability is one coverage you should consider—depending on where you’re renting the car. In some states, including for Az insurance companies major car rental companies are beginning to shift primary liability responsibility to renters who have personal insurance. That means without supplementary coverage you could be faced with financial disaster if you are sued.

Your own auto insurance will cover collision damage to the car you rent. It also probably covers you for liability in case you hurt someone or damage someone else’s property. Your homeowner’s or occupant’s household policy may well cover your personal effects, even when you’re on a trip.

If you need extra accident Az insurance. you need it full time, not just in a rented car.

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