Do rental cars in Virginia in the United States always come with minimum liability insurance?
If you rent a car in Virginia in the United States, will the rental (at no additional fee) always include a liability insurance for the minimum coverage required by law?
I had the understanding that this would be the case. But when I rented a car recently and asked the rental agency representative if such a minimum liability insurance is included, he said no. These left me with no other option than taking the LIS (Liability Insurance Supplement), which covers a lot more than the minimum required by law. I didn't see any option of getting just the minimum coverage.
For the record: I do not own a car and do not have auto insurance of my own.
Best Answer
Long story short.
Yes you can decline the CDW/LDW and other insurances that they offer you. Doing so means that you are personally responsible for any damages and losses that may occur while you're renting a car.
Specifically you can look at a bulletin describing VA supreme court decision on the matter.
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Do you need liability insurance when renting a car?
If you're comfortable with the amount of liability coverage you have for your own cars, you don't need to buy additional liability insurance for vehicles you rent.What state is the only state in which car rental companies do not automatically provide liability coverage as part of its car rental agreement?
Car Rental companies are required by law (in every state except California) to provide the state-mandated liability limits for the rental car. However, in many cases this liability coverage may be considered secondary to the primary coverage provided by your personal auto policy.What is the minimum liability insurance requirement in the state of Virginia?
It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law: Bodily injury: $25,000 per person and $50,000 per accident. Property damage: $20,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.Which type of car rental insurance is required for the car rental?
Yes, if you are renting a car, you need insurance which covers accidental damage. Usually, the car rental company will provide you with an accidental damage coverage policy. On the other hand, if you have personal car insurance with accidental coverage, then it will also extend to the rented car.Does Your Personal Car Insurance Cover Your Rental Car?
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