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Do I Need Rental Car Insurance in Georgia?

October 06, 2015

Georgia receives a high number of visitors each year, with many heading to Atlanta to check out our myriad of exciting museums, restaurants and outdoor attractions. No tourist to the state expects to be involved in a car accident, but unfortunately, car accidents can happen to anyone. Many travelers will automatically decline to obtain rental car insurance, but given the very real possibility of being involved in a car accident, it is important to consider the benefits to rental car insurance before automatically declining it.

Here are some factors to consider:

The argument in favor of rejecting rental car insurance is that you already have coverage either through your insurance policy or the credit card you used to pay for the rental. However, this is something you should thoroughly investigate. Many automobile insurance policies will include coverage for your primary vehicle as well as vehicles you occasionally drive, which could include rental cars. However, your exact coverage is limited by the terms of your policy. Each state will have different minimums as to liability coverage and you should check your policy limits.

If you plan to rely on coverage through your credit card, you should check the fine print to verify (1) that car rentals are covered and (2) your limits. Insurance through a credit card will often cover collision damage and theft, but may not include personal injury or personal liability. Credit card insurance coverage is additionally considered secondary insurance and will only take effect when your other policies have been exhausted. You must be sure to pay for the rental with the car and watch out for potential exclusions for trucks, luxury cars, some SUVs and more.

Rental Car Insurance is Affordable and Offers Extensive Coverage

The rental car company's supplemental liability insurance policy will typically include up to one million in coverage. This plan will supersede your insurance policy and, in Georgia, pay out first in the event of a crash. It covers all authorized drivers, including any travel companion that drives the vehicle but does not purchase their own insurance.

Rental companies will also typically offer a loss damage waiver. This will forgive your responsibility in the event the vehicle is stolen or damaged. You will not receive a payout, but will also not be charged.

The costs of adding these insurance policies are generally less than $30 a day. Rental car insurance is not necessary for every driver if you have a considerable policy that includes collision and comprehensive coverage. However, if your policy may not cover the damages that could result from a serious rental car accident, purchasing the supplemental rental car insurance policy can be a wise decision.

Montlick and Associates, Attorneys at Law: Put Our Over 38 Years of Experience to Work on Your Case!

If you have been involved in a car accident caused by another person or party while visiting Georgia, the Georgia Car Accident Attorneys at Montlick and Associates, Attorneys at Law, are here to help. Our dedicated automobile accident lawyers accept cases across Georgia and in the Southeast. Further, our firm has over thirty years of experience in the field of personal injury law.  The sooner you act after your automobile accident, the greater your chances of obtaining a full recovery for your injuries. As such, do not delay in seeking legal assistance. Call Montlick & Associates, Attorneys at Law, 24 hours a day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at and use our Free Case Evaluation Form or 24-hour Live Online Chat.

Category: Auto Accidents

Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.