Car Rental Insurance Guide
DO I NEED INSURANCE WHEN RENTING A CAR IN HAWAII?
When renting a car in Hawaii, it's essential to understand your insurance options to ensure you're adequately protected. Your personal auto insurance policy may cover rental cars, but it's crucial to check your policy's fine print to confirm. Additionally, many credit cards offer rental car insurance as a benefit, but the coverage and terms can vary widely. Rental car companies in Hawaii also offer insurance options, including collision damage waivers and liability insurance, which can provide peace of mind but may duplicate coverage you already have. Carefully evaluating your existing coverage and the options available from the rental car company will help you make an informed decision about whether to purchase additional insurance when renting a car in Hawaii.
WILL MY CAR INSURANCE COVER A RENTAL CAR IN HAWAII?
If you're planning to rent a car in Hawaii, it's essential to check your existing car insurance policy to see if it covers rental cars. Many personal auto insurance policies extend coverage to rental cars, but the specifics can vary widely. Some policies may cover rental cars only within the United States, while others may provide international coverage. Additionally, your policy may have specific requirements or restrictions for rental car coverage, such as requiring you to rent from a specific company or declining coverage for certain types of vehicles. Carefully reviewing your policy's fine print will help you understand what's covered and what's not, ensuring you're adequately protected while driving a rental car in Hawaii.
WHAT KIND OF CAR INSURANCE SHOULD I TAKE?
When renting a car in Hawaii, it's crucial to choose the right insurance coverage to protect yourself and your finances. Collision Damage Waiver (CDW) and Liability Insurance are essential options to consider. CDW covers damages to the rental car, while Liability Insurance provides coverage for accidents or injuries to others. Additionally, consider Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC) for extra protection. PAI covers medical expenses for you and your passengers, while PEC protects your personal belongings. Carefully evaluate your existing coverage, credit card benefits, and rental car company options to determine the best insurance combination for your needs, ensuring a worry-free driving experience in Hawaii.
Please note that AA Aloha Cars R Us Inc. does not assume any responsibility for the insurance coverage you choose. It is your sole responsibility to carefully evaluate and select the insurance options that best suit your needs. By renting a vehicle from us, you acknowledge that you have made an informed decision regarding your insurance coverage and release us from any liability related to your chosen coverage.
Advantage Rental Car
Collision Damage Waiver (CDW): $28.99/day (varies by car type/location)
Supplemental Liability (SLI): $15.99/day
Personal Accident Insurance (PAI): $6.99/day
Gap Coverage: $20.00/day (estimated)
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Alamo Rental Car
Collision Damage Waiver (CDW): $31.99/day (varies by car type/location)
Supplemental Liability (SLI): $14.24/day
Personal Accident Insurance (PAI): $7.00/day
Gap Coverage: $25.00/day (estimated)
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Avis Rental Car
Collision Damage Waiver (CDW): $27.99-$36.99/day (varies by car type)
Supplemental Liability (SLI): $16.84/day
Personal Accident Insurance (PAI): $4.00/day
Gap Coverage: $22.00/day (estimated)
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Budget Rental Car
Collision Damage Waiver (CDW): $30.99/day (varies by car type/location)
Supplemental Liability (SLI): $16.84/day
Personal Accident Insurance (PAI): $9.95/day
Gap Coverage: $24.00/day (estimated)
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Dollar Rental Car
Collision Damage Waiver (CDW): $33.39/day (varies by car type/location)
Supplemental Liability (SLI): $14.24/day
Personal Accident Insurance (PAI): $6.99/day
Gap Coverage: $26.00/day (estimated)
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Enterprise Rental Car
Collision Damage Waiver (CDW): $31.99/day (varies by car type/location)
Supplemental Liability (SLI): $11.99/day
Personal Accident Insurance (PAI): $5-$12/day
Gap Coverage: $25.00/day (estimated)
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Hertz Rental Car
Collision Damage Waiver (CDW): $29.99-$39.99/day (varies by car type)
Supplemental Liability (SLI): $16.84/day
Personal Accident Insurance (PAI): $7.00/day
Gap Coverage: $23.00/day (estimated)
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National Rental Car
Collision Damage Waiver (CDW): $30.99/day (varies by car type/location)
Supplemental Liability (SLI): $14.24/day
Personal Accident Insurance (PAI): $6.99/day
Gap Coverage: $24.00/day (estimated)
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Payless Rental Car
Collision Damage Waiver (CDW): $29.99/day (varies by car type/location)
Supplemental Liability (SLI): $14.24/day
Personal Accident Insurance (PAI): $6.99/day
Gap Coverage: $23.00/day (estimated)
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Thrifty Rental Car
Collision Damage Waiver (CDW): $32.99/day (varies by car type/location)
Supplemental Liability (SLI): $15.99/day
Personal Accident Insurance (PAI): $7.00/day
Gap Coverage: $26.00/day (estimated)
Rental Car Insurance Options
The following insurance options are typically offered by major car rental agencies:
1. Collision Damage Waiver (CDW)
Waives financial responsibility for damages to the rental car due to collision or theft.
2. Supplemental Liability Insurance (SLI)
Provides additional liability coverage beyond the rental car company's minimum requirements.
3. Personal Accident Insurance (PAI)
Covers medical expenses for the renter and passengers in the event of an accident.
4. Personal Effects Coverage (PEC)
Covers loss or theft of personal belongings from the rental car.
5. Gap Insurance
Covers the difference between the rental car's value and the insurance payout if the car is stolen or damaged beyond repair.
6. Roadside Assistance
Provides assistance with towing, fuel delivery, and other roadside emergencies.
Please note that rental car agencies reserve the right to change insurance costs and coverage at any time, so it's always best to check with the agency directly for the most up-to-date information.