🚗🇺🇸 來美國租車：一定要買的保險 vs 不一定要買的保險（保險篇）
來美國旅遊或出差時，多數人會選擇在機場或租車公司（如 Hertz、Avis、Budget、Enterprise 等）直接租車。租車過程中，最讓旅客困惑的就是保險 —— 到底哪些一定要買？哪些不一定？哪些看起來很便宜但其實有漏洞？
🟦 一、一定要買的保險（強烈建議）
1️⃣ Liability Insurance（第三方責任險）
這是最重要的保險。你如果撞到別人 —— 人、車、財產 —— 都是這份保險來付。
加州 & 多數州的「基本額度」通常只有很低（例如 $15,000 / $30,000），對外國旅客完全不夠，所以租車時一定要補足。
2️⃣ Collision Damage Waiver（CDW / LDW）
就是免責險。不管你撞樹、刮牆、倒車碰到柱子，只要買了 CDW，租車公司就不跟你追討修車費。
⚠️ 沒買 CDW 的話，出事會直接刷你的信用卡。
3️⃣ Supplemental Liability Insurance（SLI）
SLI 是幫你把第三方責任額度提高到 $300,000–$1,000,000。
如果發生重大事故，沒有這個真的不夠。
🟩 二、不一定要買（視情況）
1️⃣ Personal Accident Insurance（PAI）
PAI 是給你本人的醫療險。如果旅客本身有旅遊平安險、海外醫療險，可以不用重複買。
2️⃣ Personal Effects Coverage（PEC）
賠償行李、筆電、個人物品。但大部分旅客的信用卡已有類似保障，或國內旅平險已包含。
🟨 三、小提醒（非常重要）
- 我們提供的是 general information（一般資訊），真正的 coverage 請向租車公司確認。
- 不同租車公司、不同州、不同租車方案的保障內容都會不同。
- 有些高級信用卡（如 Chase Sapphire）會附上 CDW，但通常不包含責任險。
- 租車公司現場銷售的保險不是騙人，只是有些是「可買但非必要」。
✔ 我們的建議是：一定買：Liability + SLI + CDW。
其他的依你個人情況選擇即可。
🚗🇺🇸 Renting a Car in the U.S.: Insurance You MUST Buy vs Optional Coverage
When traveling or visiting the U.S. for business, many people rent a car from airport rental counters such as Hertz, Avis, Budget, or Enterprise. The most confusing part is always the insurance — which ones are required, which ones are optional, and which ones look cheap but have hidden risks?
🟦 1. Insurance You SHOULD Buy (Highly Recommended)
1️⃣ Liability Insurance
This is the most important coverage. If you hit another car, a person, or any property, this insurance pays for it.
Basic state minimum (e.g., $15,000 / $30,000 in California) is far too low for international travelers, so always purchase additional coverage.
2️⃣ Collision Damage Waiver (CDW / LDW)
This covers damage to the rental car — from hitting a wall, a pole, or even a small scratch.
⚠️ Without CDW, the rental company will charge your credit card for all repairs.
3️⃣ Supplemental Liability Insurance (SLI)
SLI increases your liability limit to $300,000–$1,000,000.
For serious accidents, this is essential.
🟩 2. Optional Insurance
1️⃣ Personal Accident Insurance (PAI)
If you already have travel medical insurance or international health coverage, you may not need this.
2️⃣ Personal Effects Coverage (PEC)
This protects personal belongings such as laptops or luggage. Many credit cards or travel insurance plans already offer similar coverage.
🟨 3. Important Notes
- We provide general information only; please confirm details directly with the rental company.
- Insurance rules vary by state, rental company, and rental package.
- Some premium credit cards (e.g., Chase Sapphire) include CDW, but usually not liability insurance.
- Rental company insurance is not a scam; some are necessary, some optional.
✔ Our recommendation: Always buy: Liability + SLI + CDW.
Other coverages are optional depending on your needs.