California Direct Car Insurance

In most states, direct car rental companies are prohibited from refusing to rent you a car unless you purchase the additional insurance, but many companies still try to do it. The coverage's that you can get are all optional. Each coverage protects against a different risk, but your car, home, life, or health insurance policies, or your credit card, may provide all or part of the protection you need, particularly when they are combined with the minimum insurance the car rental company is required by law to provide as a part of every rental.

There are four different types of insurance and insurance-like coverage's the companies try to sell to consumers at the rental counters: Collision Damage Waiver, Supplemental Liability Protection, Personal Accident Insurance, and Personal Effects Coverage. While this coverage may make sense for some renters, in most states you already have this coverage for a rental vehicle as part of your primary auto insurance, unless you declined to accept it when you purchased that policy.