美国租车保险有关问题
2026-07-31 15:23游四海旅游网 帮助了2103人
租车的准备工作进入最后阶段，突然被保险难倒了，了解到保险基本分3类，一个是自身车保险，一个是三者责任险，一个是随车人员保险，想问的是到底哪些是必须要保的，哪些基本不用保？还听说有些险种信用卡公司本身可以COVER，不知道国内的信用卡是否有这样的情况，还是必须要用国外的卡来支付。
我的行程是6月29日-7月16日共17天，洛杉矶进出，车型选择MINIVAN（行李比较多），哪些高手也可以帮我算算哪家价格比较合适，谢谢了
网友回答
总结， 另参考：
http://jingyan.baidu.com/article/22fe7ced6770443002617f2b.html
自己备查：LDW: Loss Damage Waiver
hertz还有两种有限额的险种，分别是：（PDW & LLDW）
Hertz Loss Damage Waiver (LDW)
When you purchase Hertz' LDW, which is not insurance, you will not be held responsible for damage to the Hertz car in the event that any damage should occur, provided the loss or damage was not the result of any prohibited use of the car. Hertz Partial Damage Waiver (PDW)
Partial Damage Waiver (PDW) is offered at select locations. When you purchase PDW, which is not insurance, you will not be held responsible for loss or damage to the car in an amount equal to the applicable deductible on your personal automobile insurance, up to a maximum waiver of $1,000, provided the loss or damage was not a result of any prohibited use of the car. Hertz Limited Loss Damage Waiver (LLDW)
Limited Loss Damage Waiver (LLDW) is offered at select locations. When you purchase LLDW, which is not insurance, you will not be held responsible for loss or damage to the Hertz car up to a maximum waiver of $1,000, provided the loss or damage was not a result of any prohibited use of the car. You will be responsible for all damages in excess of $1,000.
如果促销方案里面只是PDW或LLDW，就要考虑下了。
http://jingyan.baidu.com/article/22fe7ced6770443002617f2b.html
自己备查：LDW: Loss Damage Waiver
hertz还有两种有限额的险种，分别是：（PDW & LLDW）
Hertz Loss Damage Waiver (LDW)
When you purchase Hertz' LDW, which is not insurance, you will not be held responsible for damage to the Hertz car in the event that any damage should occur, provided the loss or damage was not the result of any prohibited use of the car. Hertz Partial Damage Waiver (PDW)
Partial Damage Waiver (PDW) is offered at select locations. When you purchase PDW, which is not insurance, you will not be held responsible for loss or damage to the car in an amount equal to the applicable deductible on your personal automobile insurance, up to a maximum waiver of $1,000, provided the loss or damage was not a result of any prohibited use of the car. Hertz Limited Loss Damage Waiver (LLDW)
Limited Loss Damage Waiver (LLDW) is offered at select locations. When you purchase LLDW, which is not insurance, you will not be held responsible for loss or damage to the Hertz car up to a maximum waiver of $1,000, provided the loss or damage was not a result of any prohibited use of the car. You will be responsible for all damages in excess of $1,000.
如果促销方案里面只是PDW或LLDW，就要考虑下了。
enterprise的全险比avis的便宜，其它美注意过
1.信用卡只保自己开的车子的保险。但是理赔比较麻烦，且国内信用卡似乎不支持。如果你有美国的amex卡的话，可以用amex卡保车险，可以保20多天只要20美金。
2.第三者责任险和乘员险都需要保。楼上说的旅游险，如果我没记错的话，其中的意外和医疗是不包含租车事故的，你可以咨询下美亚。
1.信用卡只保自己开的车子的保险。但是理赔比较麻烦，且国内信用卡似乎不支持。如果你有美国的amex卡的话，可以用amex卡保车险，可以保20多天只要20美金。
2.第三者责任险和乘员险都需要保。楼上说的旅游险，如果我没记错的话，其中的意外和医疗是不包含租车事故的，你可以咨询下美亚。
CDW和三者责任险是必须买的，CDW保租的车，三者责任险保对方。
其它随车人员保险我觉得可以选择美亚或者平安的国际旅游险，选择赔付金额高的，价格也不贵，16天价格大概RMB500/人。
其它随车人员保险我觉得可以选择美亚或者平安的国际旅游险，选择赔付金额高的，价格也不贵，16天价格大概RMB500/人。
CDW和三者责任险是必须买的，CDW保租的车，三者责任险保对方。
其它随车人员保险我觉得可以选择美亚或者平安的国际旅游险，选择赔付金额高的，价格也不贵，16天价格大概RMB500/人。
其它随车人员保险我觉得可以选择美亚或者平安的国际旅游险，选择赔付金额高的，价格也不贵，16天价格大概RMB500/人。
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