Understanding U.S. rental car insurance shouldn’t feel like decoding alphabet soup. This guide breaks down the big acronyms—CDW, SLI, and TPL—so you can book with confidence and avoid surprises at the counter. Whether you land at Miami Airport car rental (MIA) or touch down for family fun via Orlando Airport car rental (MCO), here’s how coverage really works with Hola Car Rentals.
CDW (Collision Damage Waiver)
CDW is a waiver that reduces or eliminates your financial responsibility if the rental car is damaged. It’s not technically “insurance,” but it works like protection for the vehicle. With Hola Car Rentals’ All‑Inclusive+ Rate, you get maximum coverage with a simple price—no complex add‑ons at pickup. Flying coast to coast—from Los Angeles Airport car rental (LAX) to desert getaways near Las Vegas Airport car rental (LAS)—CDW gives peace of mind.
Tip: CDW usually doesn’t cover personal items, tyres or undercarriage damage if misuse is involved. Read your confirmation for the exact inclusions and excess.
SLI (Supplemental Liability Insurance)
SLI extends third‑party liability protection if you cause damage to other vehicles or property. Hola Car Rentals offers maximum liability coverage (up to $300,000 on selected itineraries), so you’re protected beyond the state minimums. Planning a Texas road trip from Austin Airport car rental (AUS)? SLI helps shield your savings while you focus on the drive.
TPL (Third‑Party Liability)
In the U.S., liability coverage is required, but limits vary by state and can be low. TPL refers to the portion that covers damage or injuries to others. Hola Car Rentals bundles clear liability protection into straightforward rates so you always know your limits before you go.
What’s Typically Covered vs. Not Covered
- Covered: collision damage (CDW), theft protection, and third‑party liability when you choose All‑Inclusive+.
- Not covered: personal items inside the car, reckless driving, off‑road use, or fueling errors.
Real‑World Scenarios
Minor parking scrape: CDW typically covers damage to the hire car, subject to excess terms in your confirmation. Windshield chip: glass coverage varies; check your rate details before leaving the lot. Someone bumps into you: get the other driver’s details, take photos and call roadside support.
How to Read Your Confirmation
- Verify what’s included (CDW, Theft Protection, third‑party liability) and the excess, if any.
- Confirm the security hold amount and acceptable payment methods.
- Note assistance phone numbers and the exact pick‑up location.
Exclusions to Watch
- Unpaved roads, racing or negligent use.
- Personal belongings (use travel insurance).
- Unauthorized drivers or late returns outside the grace period.
Arrival Checklist
- Take time‑stamped photos of all panels and the windscreen before you leave.
- Report any pre‑existing marks at the desk; get them noted on the contract.
- Save your fuel and mileage photos when you return the vehicle.
Whether you collect at Miami Airport car rental (MIA) or continue your journey via Orlando Airport car rental (MCO), Hola Car Rentals keeps pricing transparent and support one tap away.
Why Book with Hola Car Rentals
- No additional fees, save 60% guaranteed.
- Free Cancellation up to 48 hours before pick‑up.
- All‑Inclusive+ Rate with maximum coverage—no upsell pressure.
- Free travel insurance up to US$150,000 on selected routes.
Pro tip: Keep a copy of your confirmation and coverage details handy on your phone. If you ever need support, Hola Car Rentals’ team is available in seconds.
Ready to book smart? Choose Hola Car Rentals today and enjoy simple protection, transparent pricing, and flexible options wherever you’re headed.
FAQs
- Is CDW the same as insurance? No. It’s a waiver that reduces your liability for damage to the rental car.
- Do I need SLI if I have travel insurance? Yes. Travel insurance doesn’t replace third‑party liability for your car rental.
- Are personal items covered? Typically no. Use travel insurance for belongings.
