Who needs LDW?
When renting for business, check with your corporate travel arranger to determine if the company has made provisions for coverage in the event of loss. If you’re renting for personal reasons, check your own automobile insurance policy before you pick up your rental car. Many policies do cover rental cars, but even if a renter has personal automobile insurance, he or she may not be totally protected. For example, if you decline LDW and rely on your own insurance, you probably would be responsible for paying your usual deductible. Also, “loss of use” fees are not normally covered by personal auto insurance policies. And, personal auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of the vehicle scheduled on the policy. If the value of the renter’s personal auto is less than that of the rental vehicle, the renter could still have some damage responsibility. Finally, if you don’t own a car and don’t have automobile insurance, y
