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

Translated into English.

DJ Djalma Globetrotter ·
I've taken dozens of adventurous trips deep into Africa with the Pygmies and the Kapsiki, trekked across much of the Himalayas on foot without any permits while avoiding checkpoints, crossed borders illegally, hiked through northern Luzon in the Philippine jungle, the Golden Triangle in Thailand, the Sierra Nevada de Santa Marta in Colombia surrounded by drug traffickers... I even hitchhiked from Paris to Kathmandu when I was 20. You think I had insurance?!😏

Here we're talking about insurance that covers you for $300,000 in civil liability for driving a car on paved roads, and people still find it insufficient. I feel sorry for you living so cautiously, especially at your age!
SI Simonic Regular ·
Hi there.

It's mainly about damage caused to others. If you run over Taylor Swift’s dog, with a good lawyer she’ll make you cough up $5,000,000. Have a great day. Jacques.
MA Matitoune ·
Hello, you probably also have insurance with your credit card, so check that 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 and took the basic coverage from the rental company (around $170), whereas I normally never take any add-ons at the counter. But since I was driving on a lot of unpaved roads, it included roadside assistance in case of a flat tire.

If you start analyzing everything with rental companies, you can spend a lot of time... especially since they’re all pretty much the same in the US...

Hi, Do you really agree to pay $170 (150 €) just so someone helps you change a flat tire and put the spare on instead? And do you think that if you get a flat in the middle of nowhere, the insurance will actually send someone to help you? I’m really doubting that...
DJ Djalma Globetrotter ·
Maybe the spare tire is an optional extra? In case of multiple punctures, for the unlucky ones it could be worth it if the breakdown service is quick 😄
MA Matitoune ·
Maybe the spare tire is an option? In case of multiple flats, for the unlucky ones it might be worth it if the breakdown service is quick

Knock on wood, because in France I’ve never had a flat tire. Lucky me, because I guess the bolts tightened by my mechanic’s machine aren’t easy to loosen without the tool they have. Though there are fewer nails on the roads than in the days of horse-drawn carts
DE Dennis2 Regular ·
Hello, it’s true that normally I never take extra insurance from the rental company.

Well, this time, since I knew I’d be driving on more or less rough roads, plus in another state, I went for it. The guy told me that if I got a flat in another state, the repair would be charged.

But I got upgraded and they gave me a big hybrid 4x4 Jeep. Awesome. And with a huge spare tire on the back. I’d have had a hard time changing that on my own…

If I’d booked that category of car from the start, it would’ve cost me more, so I came out ahead in the end…

Has anyone actually tried Sunnycars? They claim all insurance is included—sounds weird since they’re a broker, right?
MA Matitoune ·
In another forum, I read that insurance through Booking was much cheaper than directly with the rental companies.
AT Attila Globetrotter ·
Insurance isn’t necessarily provided by the rental company but also by the broker. Many brokers offer additional insurance options.

It’s a bit like the insurance offered by a non-basic credit card.

In short, there may be upfront costs involved. This isn’t a solution for those without savings.

(Generally, using dirt roads with a rental vehicle isn’t covered by any insurance in the U.S., right?)

For flat tires, there are plenty of good Samaritans around. Changing a tire will cost you a smile—just like anywhere else. I’ve never managed to change a tire all the way through myself. Except in the middle of the desert... Though that’s only if there’s a spare tire...

In 2025, new cars are sold with just a tire repair kit. The donut spare is an extra... The full-size spare tire is becoming an endangered species.

It’s the same with rental companies. Some only provide the kit...
NA Nataly03 Globetrotter ·
Hi everyone, just a heads-up because in any case, gravel roads are never covered—it’s a standard exclusion in the contract. Some specific 4x4 rentals might, but no regular rental company does.
DJ Djalma Globetrotter ·
in another forum I read that insurance through booking was much cheaper than directly with the rental companies

That was the case for a rental in La Réunion. I don’t know about the US. In La Réunion, I found my car with a dented door and a broken mirror after leaving it for an hour in a parking lot. For just thirty euros of "additional" insurance through booking, I was reimbursed for the damage in less than a week.
MA Manondugard Regular ·
In another forum, I read that insurance through Booking was much cheaper than directly with the rental companies

That’s the case for a rental in La Réunion. I don’t know about the US. In La Réunion, I found my car left for an hour in a parking lot with a dented door and a broken mirror. For around thirty euros of "additional" insurance with Booking, I was reimbursed for the damages in less than a week.

Same thing happened to me in Colombia—a door completely smashed in the hotel garage by a customer who didn’t own up. I paid for the repair at Localiza Montería, and 10 days later, Booking reimbursed me for everything (though with Booking, it’s better to book two consecutive car rentals if your stay exceeds 30 days—it’s cheaper that way: 29 days, then 10–15 days with another reservation). Another advantage is that the rental company sees everything on the Booking reservation and doesn’t try to upsell extra stuff. With Booking, no more issues with debit cards in countries where they’re not accepted for rentals (that’s my case). And I’ve had plenty of proof that debit cards are actually disguised credit cards since the deposit isn’t actually debited.
DJ Djalma Globetrotter ·
Another advantage is that the rental company sees everything on the Booking reservation and doesn’t try to add and charge for extra stuff.

The Réunion-based rental company provided coverage with a deductible for any damage to the vehicle. Booking offered an additional policy for 30 € to be covered "all risks." It probably overlapped with the insurance linked to my credit card, but from what I’ve heard, credit card insurance often makes it difficult to get reimbursed.
MA Manondugard Regular ·
Another advantage is that the rental company sees everything on the booking reservation and doesn’t try to add and charge for extra stuff.

The Réunion-based rental company provided insurance with an excess for damage caused to the vehicle. An additional 30 € (from Booking) was offered for "fully comprehensive" coverage. It probably overlapped with the insurance linked to my credit card, but from what I’ve heard, the latter often makes it difficult to get reimbursed.

If I didn’t make almost all my purchases online, I would’ve canceled my Visa Premier card a long time ago—it’s useless for travel since I pay everything in cash. I’m actually thinking of switching back to my bank’s basic card, which is much cheaper. Paying to access my own money is something that drives me crazy.
JO Jojoone1 Globetrotter ·
The very least a participant should understand is that it’s not okay on a travel forum to advise anyone to travel without insurance.

Apparently, some people just don’t get it until it happens to them personally. There are enough cases of people suffering serious financial loss, physical injuries, or even dying abroad because they weren’t insured. Just look at the fundraisers opened in recent years to pull people out of those situations.

And even when we strongly advise people to get insured, we know full well that tens of millions won’t read threads like this or won’t act on them.

But hey, Jojoone—and you? Well, yeah, I’ll admit I traveled uninsured for nearly 40 years. The thought hadn’t even crossed my mind. Deep down, once I realized luck was often on my side in life (taps forehead), I decided to let it handle my case. That said, there were a few close calls.

As Atila hinted, when you get older, you start fearing everything, and that might be why I was insured for my last two trips.

At the end of the day, everyone’s a little right in this discussion, but when you know thousands of people are reading your advice, it’s not responsible to tell them to rely on luck instead of planning and being prepared.
MA Manondugard Regular ·
The very least a participant should understand is that it’s not okay on a travel forum to advise anyone to travel without insurance.

Apparently, some people don’t get it until they’re personally affected. There are enough cases of people suffering serious financial loss, physical injuries, or even dying abroad because they weren’t insured. Just look at the fundraisers opened in recent years to pull people out of these situations.

And even when we strongly advise people to get insured, we know full well that millions won’t read these threads or take them seriously.

But Mr. Jojoone, what about you? Well, yeah, I admit I traveled uninsured for nearly 40 years. The thought never even crossed my mind. Deep down, once I realized luck was often on my side in life (taps forehead), I decided to let it handle my case. That said, there were a few close calls.

As Atila hinted, when you get older, you start fearing everything, and that might be why I was insured for my last two trips.

At the end of the day, everyone has a point in this discussion, but when you know thousands are reading your advice, it’s not responsible to suggest relying on luck instead of planning and being prepared.

Oops, I’m replying even though this post wasn’t directed at me Two pages are easy to read, and Djalma never advised traveling without insurance—at least not in this thread.
DJ Djalma Globetrotter ·
The very least a participant should understand is that it’s not okay to advise anyone on a travel forum to go on a trip without insurance.

First, reread my initial message. The others have disappeared. Everywhere I’ve gone—whether with my own vehicle or when I’ve rented one—I’ve always had civil liability insurance; it’s a no-brainer. Being responsible for an accident where the costs exceed $300,000 (which is what this thread is about) *can* happen—nothing’s impossible, especially in the US ;). But in my opinion, the probability is as low as winning $50 million in the lottery or getting hit by a roof tile in high winds... After that, it’s up to each person to decide based on their fears and the thickness of their wallet. For outdoor activities (mountaineering, climbing, high-mountain trekking, kayaking, paragliding, etc.) and the risks of accidents or illness during my adventures abroad, I’ve never taken out specific insurance—I’ve just limited the risks as I’ve gotten older. But I’ve never advised anyone to follow my example, let’s be clear...
AT Attila Globetrotter ·
As Atila implied, when you get old, you're afraid of everything

That’s not what I was implying...

I meant that as we age, we generally become wiser.

In the sense that we think more about what we do and gain experience.

Not much to do with fear.

When you know thousands of people are reading you, it’s not reasonable to advise relying on luck rather than foresight and planning.

It’s mostly about making the reader aware that if they decide to skip buying insurance, it could cost them *a lot*.

And *a lot* in the USA isn’t 10,000 €...

Insurance issues aren’t the same in the USA as in other countries.

I never buy additional insurance elsewhere—my credit card coverage is enough for me. For this country, I took out medical insurance (I didn’t face the issue of low driver’s civil liability coverage at the time).

The reader should have all the facts. One country, one set of concerns—another country, it’ll be different. How you travel and any insurance you already have also come into play.

Advice shouldn’t be given lightly. You need all the facts first.
MA Manondugard Regular ·
Being responsible for a claim where the costs exceed $300,000 (the topic covers this issue) can also happen—nothing’s impossible in this area, especially in the US ;). But in my opinion, the probability is as low as winning $50 million in the lottery or getting hit by a roof tile in high winds....

I totally agree with you on many points, because that’s exactly what I thought 25 years ago when I bought my house. Getting home insurance or not. I told myself that if someone got hit by one of my roof tiles, my name wouldn’t be written on it ;) So to this day, I still haven’t insured my house, even though my financial advisor dug through my accounts and tried (in vain) to sell me one, claiming it was supposedly mandatory—which is false :D My roof tiles are so old they’re stuck forever 😄 (one day I’ll calculate how much I’ve saved in 20–30 years, or even more) 🤑
AT Attila Globetrotter ·
Why do you keep painting such an unflattering picture of yourself in your posts as they go along?
VO Voyajou Globetrotter ·
The least one would expect a participant to understand...

I’ll add that the least we could expect in a discussion about civil liability in a car rental contract in the United States is not to find persistent trolls talking about their so-called exploits elsewhere in the world or minor material damage to a car in Réunion or Colombia, only to end up with a falling roof tile in the Gard. For those of you concerned about the forum’s traffic, just imagine the effect this thread has on USA fans who’ve already largely abandoned this forum. 🙁

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