Collision/loss damage waiver (also known as an LDW or CDW) isn't technically insurance. If you damage the rental car, this waiver may help cover the cost of repairing it.. Additionally, a rental agency could charge you for "loss of use" of the car (lost rental income) while the car is in the shop being repaired.
Basic car insurance typically covers you in the event you cause injury or property damage while driving a rental. Likewise, comprehensive and collision coverage guard against damage to the rental car itself.
Don't get charged extra for rental car insurance. Find out if your State Farm policy covers car rental insurance.
For years, savvy travelers declined the rental car insurance. They figured their regular auto insurance would cover them. Today, the question remains: Do you .
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