It is always advisable to check for the auto insurance, before hiring a car. Since insurance is state regulated but still there are variations in cost and coverage provided. Here is the vivid description of coverage provided by various auto rental insurance service providers.
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LDW (Loss Damage Waiver) – though it is not technically an insurance product, it relieves renter of financial responsibility, if in case a rented car is damaged or stole. In some cases, waiver also provides coverage for the time damaged car is not used. Waivers deprive you of the coverage, if in case the accident is caused by reckless diving, speeding or driving while intoxicated.
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Liability insurance- rental companies generally provide the amount of liability insurance. It includes less amount and do not provide more protection or coverage.
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Personal Accident Insurance- such auto rental insurance plans provide coverage both to car owner and passengers for medical and ambulance bill for injuries caused in the auto insurance rental car crash.
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Personal Effect Coverage- this insurance plan offer coverage to items stolen from your car. If you are carrying some expensive items such as jewellery, it is better to have benefit from the coverage of this insurance plan.
Thus, it is advisable to look into your needs and then opt for some specific auto rental insurance plan that suits your requirement in a best possible manner.