Sorting insurance at the counter can feel rushed. Use this overview to understand what’s required by law versus what’s optional—and choose confidently. When you book, review protections in advance and check car rental coverage choices that fit your route.
What the law expects
Every state requires financial responsibility for third‑party injury and property damage. Minimum limits differ widely and are often lower than you might select at home, which is why many travelers opt for higher limits.
Smart optional protections
Collision Damage Waiver (CDW/LDW) limits out‑of‑pocket costs for vehicle damage. Supplemental Liability and Personal Effects/Accident coverages manage other risks. Bundled, inclusive packages are popular because they simplify choices at the counter.
Real‑world examples
On the West Coast, signage at the LAX rental concourse outlines waiver and liability options. In Florida, agents at the MIA desks explain toll programs alongside coverage. In the Northeast, the JFK area follows similar patterns.
How to choose
Consider city driving, garage costs, and the value of your itinerary. Document the vehicle at pick‑up and drop‑off, keep receipts for any additions, and ask for a copy of the agreement by email. If you’re browsing UK inventory, add car hire to your research and align coverage with your stops and parking plans.
Hola Car Rentals highlights maximum liability coverage (up to $300,000 on selected itineraries), free travel insurance on eligible plans, and flexible changes—so you can hit the road with clarity.
