Renting a car in the USA and driver's civil liability.
FR

Translated into English.

Original post
CA
Hi everyone.

I’ve been wondering: Is it still reasonable to rent a car in the U.S.?

Apparently, since early January 2025—and very quietly—the most important insurance coverage, namely the driver’s civil liability, has seen its coverage amount drop from $1 million to just $300,000. This coverage is supposed to protect us from damages we might be responsible for while driving. We can go decades without a single scrape (especially if it’s our fault), but anything can happen in a split second. A motorcycle appearing out of nowhere, a misjudgment at one of those huge intersections with staggered traffic lights, and suddenly we could be deemed at fault for the accident. We’d then have to pay out of pocket for the other party’s medical expenses. Given what hospitals charge... it can easily exceed $300,000 and turn into a nightmare in no time!!! Plus, anyone who’s driven on American roads has seen those billboards for lawyers offering their services to accident victims. So on top of the sky-high medical bill, the lawyer will demand compensation worthy of a Hollywood movie!!!! So, is it even worth getting behind the wheel in America anymore? Well... that’s just my take! And on top of that, I haven’t found any insurance company that offers such high civil liability coverage. Chapka and others do offer coverage in the millions, but motor vehicles are excluded.... So here’s the thing... Unless I’ve "missed something," I’ve come to this conclusion: Renting a car in the U.S. is like playing Russian roulette! But maybe I’m being too pessimistic? What do you think?
DJ Djalma Globetrotter ·
We can go decades without having the slightest accident (especially one that’s our fault), but anything can happen in a single second. A motorcycle appearing out of nowhere, a misjudgment at one of those huge intersections with staggered traffic lights, and you can be deemed at fault for the accident. We’d then have to pay out of pocket for the other party’s medical expenses. Given what hospitals charge... It can easily exceed $300,000 and quickly turn into a nightmare!!!

Hi, You can also get killed in a car even with great insurance. It seems to me the risk of being responsible for an accident where costs exceed $300,000 is really minimal... If we thought about things this way, we’d never do anything in life. Anyway, personally, if I don’t go to the US, it’s not out of fear of being underinsured🤪
DE Dennis2 Regular ·
Hello, you probably also have insurance with your credit card—check it out.

Or you accept all the extra coverage the rental counter agent will try to sell you.

I just rented a car in the US. I took the rental company’s basic coverage (around $170), even though I usually never take add-ons at the counter. But since I was driving on a lot of unpaved roads, it included roadside assistance for flat tires.

If you start dissecting everything with rental companies, you can spend ages on it… especially since they’re all pretty much the same in the US.
MI Mitch341 Veteran ·
Not renting a car in the States is like only visiting big cities. And even if you rent a bike and accidentally knock someone over, lawyers will feast on your back.

As for motorcycles over there, I found that riders—except in so-called rough neighborhoods—are more disciplined than back home.

Without a car, no long road trips or discoveries. It’s a choice and a debate worth having.
SI Simonic Regular ·
Hello.

You're renting from Sunny Cars because the civil liability coverage is 10,000,000 €.

Have a good day. Jacques.
CA Cadieres ·
Hi, Thanks for the info. This broker does indeed offer real coverage. We’d searched a lot but somehow missed this site! Have a great day.
US Usafan Globetrotter ·
I'm having a bit of trouble understanding your conclusion... And I didn't really get the point, either.
DJ Djalma Globetrotter ·
Having a bit of trouble understanding your conclusion... And especially didn't get the point.

The point? Not encouraging people to spend unnecessarily. My conclusion? When it comes to insurance, I’ve always gone for the mandatory minimum. I’d rather put the money elsewhere... but if you’ve got more than you need, the problem doesn’t exist—let’s just make insurers richer. Otherwise, living means taking risks. For your last trip, were you well insured?
US Usafan Globetrotter ·
Okay, everyone chooses their own priorities. I always get good insurance for everything, including the car.

And most importantly, travel insurance that covers what they call "extreme sports." Standard insurance often forgets that you’re not covered if you go skiing, mountain biking, paragliding, or even trekking in the USA!... Plus, on a trip this expensive, I’m not sweating an extra 100 €.

There are daily stories of accident victims facing insane bills—80K for a broken leg, 300K after an allergy gone wrong that turned into a nightmare, etc...
MA Manondugard Regular ·
Having a bit of trouble understanding your conclusion... And especially didn't get the point.

The point? Not encouraging people to spend unnecessarily. My conclusion? When it comes to insurance, I’ve always gone for the mandatory minimum. I’d rather put the money elsewhere... but if you’ve got more than you need, the problem doesn’t exist—let’s just make insurers richer. Otherwise, living is all about taking risks. For your last trip, were you properly insured?😏

Hey, I’ll admit I struggle to understand people who take out travel insurance. I never get any, and it wouldn’t have made a difference when I had a major issue in Colombia where thousands of fire ants stung my feet (since I was partying, I didn’t notice right away—or even in the days after—because local pharmacists blamed the swelling on the heat, saying it wasn’t compatible with Europeans). It was a buddy, an anthropologist working in the Amazon rainforest, who alerted me when I showed him photos of my feet and hands—they looked like Hulk’s. 😂 I could’ve died because I had an anaphylactic shock that could’ve made my heart explode. Well, I still got on my flight and got out of there (I would’ve done the same even on my knees). I just had less room for my legs on the plane because my feet had tripled in size (same for my hands). 😏
AT Attila Globetrotter ·
And also because on a trip that costs this much, I’m not going to quibble over 100 euros.

Yeah, it’s a drop in the bucket.

Insurance always seems useless until the day you need it.

Usually, we start taking it seriously as we get older or when we get sick—when we realize we’re not immortal. A heart attack, a stroke, a sudden hemorrhage, peritonitis in some countries, and it’s a one-way ticket to oblivion or a lifetime paying off medical bills if you don’t have insurance.

Some people stay eternal adolescents.

In the case of the United States, car rentals, and driver civil liability, the issue isn’t just about yourself—it’s about others. The at-fault driver won’t be able to escape their responsibilities. And this country is *extremely* litigious.
MA Manondugard Regular ·
Some people will forever remain adulescents.

Ah, yes, that’s true—some will always stay adulescents… while others are forever stuck in their stiff, uptight seriousness. I’ve chosen my side: the side of carefree living, laughter, and freedom. While some check off boxes and want to control everything down to the millimeter, I improvise, I live. Adulescence might just be refusing to become dull—and you know what? That’s a luxury I happily allow myself. 😎
AT Attila Globetrotter ·
You do as you please.

You're completely free. You just have to accept the consequences.

Besides, you see the world in black and white, which is paradoxical for someone who refuses to be dull.

Or rather, to grow old?
MA Manondugard Regular ·
You do as you please.

You're completely free. You just have to accept the consequences.

Besides, you see the world in black and white, which is paradoxical for someone who refuses to be dull.

Or rather, to grow old?

Oh, don’t worry about it—I handle the consequences just fine: lots of laughter, real moments, and a big dose of freedom. The black-and-white thing? I’ll leave that to those who need everything boxed in to feel in control. Me, I prefer when life spills over a little—at least it’s got flavor. Growing old, sure… but definitely not by drying up in seriousness. 😄
AT Attila Globetrotter ·
Your reply confirms what I wrote. You see others in black and white...

Maybe you should be more open to others?
DJ Djalma Globetrotter ·
Teenagers have the advantage of not needing earplugs to sleep 😏
MA Manondugard Regular ·
Your reply confirms what I wrote. You see others in black and white...

Maybe you should be more open to others?

I mostly see how the 3 or 4 of you are like the Goadec sisters of this forum 😄
AT Attila Globetrotter ·
You only see what you want to see. But that’s your issue, and we’re miles off topic...
US Usafan Globetrotter ·
100% agree with you
US Usafan Globetrotter ·
Not paying for insurance to save 100 € isn’t what I’d call an adventure 😄

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