Strategies, Challenges, and Answers

Do You Want Fries With That? Rental Car Insurance Options Beyond The Rental Car Desk

Just like in fast food, the rental car industry trains its sales agents to pitch an “add on” purchase at the “point of sale”.  But instead of selling French fries, the rental car agents try to sell you insurance.  This specialty insurance might include protection against damage to the rental car or supplemental insurance over and above the insurance that the renter already has.  Rent a car specific insurance offerings are sometimes called Collision Damage Waiver, Renter’s Liability Insurance or Supplemental Liability Insurance, each having its own unique provisions and exclusions.  But the fast food comparison begs the question, would you buy those fries at the counter if You Want Fries With That?you knew that someone standing just outside the door could offer you the same hot and tasty fries at a lower price?

Auto renters can now buy rental car insurance not at the rental point of sale, but through an agency outside the rental car company.  Competing directly with the car rental companies, and other specialty insurers give you an alternative source for rental car coverage.  In many states, those specialty insurance companies might offer an insurance package that includes not just rental car coverage, but also medical, trip cancellation / interruption, personal property and other types of coverage.  Obviously, you will have to be the one to compare the terms of coverage and the prices to find out who offers you the best deal and which arrangement is most convenient.  As Mills & Associates reported HERE the amount and types of coverage you will need depends on your personal circumstances.

If you have questions about specialty insurance, rental car insurance, or questions about which insurance is primary, please give Mills & Associates a call at 702-240-6060 or email us at

About Michael Mills

Mr. Mills practices in the area of civil litigation and appeals, with particular experience in matters involving trucking liability, insurance defense, insurance coverage, premises liability, products liability and defense of personal injury. Mr. Mills is a member of the Trucking Insurance Defense Association, the Defense Research Institute Trucking Committee and the Nevada Motor Transport Association. Mr. Mills is licensed to practice before the Nevada Supreme Court and the Utah Supreme Court. He is also licensed to appear before the United States Supreme Court, the U.S. District Courts for the Districts of Nevada and Utah, as well as the U.S. Court of Appeals for the Ninth Circuit. Mr. Mills has created 3 Blogs for the benefit of the insurance industry. He serves as editor and publisher of the Nevada Insurance Law Blog, the Nevada Coverage and Bad Faith Blog and the Nevada Trucking Law Blog.

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