Is LDW the same as insurance?

But let's be clear, a Car Rental Loss Damage Waiver (LDW) is not the same as insurance. A damage waiver only covers damages to the rental car. In contrast, insurance can cover a broader range of situations such as liability for injuries to other people and their property.



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If you don't already own a car with insurance, rental companies automatically cover the bare minimum in your state. However, if you want more protection, or if you're traveling abroad or for business purposes, you might need to get rental car insurance.

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Minor damage to a rental car, such as scratches, dents, or a chipped windshield are covered by the Damage Waiver. The Damage Waiver is an optional protection product you can purchase with your car rental.

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