Required Coverage

LIABILITY INSURANCE (LIS)
Frequently also referred to as Third Party Liability Insurance. It provides coverage for death bodily injury or property damage caused to third parties through the use of the rented vehicle provided that the vehicle is operated by an authorized driver. Coverage amounts are as required by law or higher. This insurance does not cover damages to or theft of the rented vehicle.
Fire and third party liability insurance is mandatory in European countries and therefore is included in all our rentals. Third party liability insurance offers unlimited coverage in case of damage or injury to people or property outside of the rental car.

Optional Coverage

COLLISION DAMAGE WAIVER (CDW) AND THEFT INSURANCE
All of Autorentnet's rates include third party liability and fire insurance. Collision Damage Waiver is included in all of Autorentnet's "Inclusive" rates. "Inclusive" rates will also include Theft insurance in most cases.
Collision Damage Waiver and theft insurance releases the client from full financial responsibility for the vehicle in case of an accident or theft. In most cases, the client will still be responsible for a deductible of some sort when collision and theft are purchased. Most car rental suppliers will offer insurance locally which can reduce the collision and theft deductible if the client wishes to do so.
With the exception of Italy, CDW is optional and a client always has the right to refuse it. If your client does not wish to purchase CDW at the time of pick up, please advise that they sign their initials on the "Decline CDW" box on the European Rental Agreement. If they refuse the CDW in order to use the coverage their credit card or personal insurance policy offers, please consider the facts below:
Please note: In some countries, eg In Italy Collision Damage Waiver (CDW) and theft protection are mandatory.

Credit Card Coverage
Many renters assume that they have coverage provided either through their own automobile insurance policy or through a credit card company. For European rentals the following needs to be observed: most domestic auto insurance policies may provide coverage for rentals within the U.S. but do not cover rentals overseas. Coverage offered by credit card companies may not apply for all types of cards offered by that company. The coverage may not apply for all car classes and may be restricted in the rental periods covered. The policies usually require that the rental is paid for by that particular card.

In case of damages, the renter has to settle all charges directly with the car rental company at that time and tie for reimbursement from the provider of the coverage after return. This process will include the completion of forms, providing documentation such as police reports and repair invoices and will have to be completed within a specific time frame.
Investigate all requirements applicable directly with your insurance your agent or credit card company.
Some credit cards only offer coverage for certain car types. Exempted with most cards:
Vehicles valued at over $50,000 (Mercedes-Benz 320, BMW 730, etc.)
Exotic cars or antique cars (over 20 years old or have not been manufactured in 10 years).
Off road or 4x4 vehicles, motorcycles, trucks, cargo vans, full sized vans and camper vans
Other credit card coverage concerns:
Coverage is limited to rentals under 30 days.
Some credit cards do not offer coverage for car rentals in Ireland, Israel, Italy, New Zealand, Australia and travel into Eastern Europe.
To extend coverage, additional drivers must be listed on the european rental agreement.
Most credit cards will file a claim with the client's personal insurance company before they reimburse the deductible. This could affect your client's personal driving record and premium.
Most credit card companies require the repair bill paid directly by the client and have a specific time period for the client to submit documentation.
Most credit cards will not cover rentals if the card was issued outside the united states.

PERSONAL AUTOMOBILE COVERAGE
Coverage may be limited to the value of the car your client owns, not the rental.
Some policies will not cover a rental car unless it's due to the client's own personal car needing repairs.
The insurance premium could be raised because of the claim. The client could be put in a "high risk" bracket and their insurance policy could be canceled.
Most policies does not cover damage or theft of personal possessions, third party liability or medical costs.
It is the client's responsibility to check with their credit card company or insurance carrier to determine their coverage.