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What should I do if I turn down the rental agency's liability insurance and get into an at-fault accident with a rental car?

I declined liability coverage through the rental car company and got into an at-fault accident. I did pay for the car with my Visa card, which has rental car coverage. Would I have any other default coverage?

Emily Maracle · Updated on Feb 5, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

“You’ll want to read through your rental agreement, as it will list any coverage that may be provided. However, since you did decline the

liability coverage

and were at fault, coverage most likely won’t be available for your situation.

You should definitely check the terms and conditions on your Visa card for

rental car insurance

as well. It may provide both liability and

collision coverage

.

Another option is your own car insurance, assuming that you have a policy. If you do, your insurance should provide some type of coverage for the rental car. You’ll want to reach out directly to your

company to get more details.

If none of these options provide you with coverage, you will be responsible for paying for the damage on both the rental car and the other party’s vehicle, as well as any injuries. “

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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