Depends on the carrier you are with... my company pays for the damage to the car and the damage to the other parties car, with a active auto policy in Alaska with at least liability coverage, up to the limits on the policy.
Great news right!? yes and no
If there is a claim filled on rental car it is nice to know there is no deductible (liability does not have a deductible) however depending on your longevity with the company, a loss of a discount, loss of deductible reward, loss of safe driving bonus, or even worse a claim surcharge may be as a result.
My company does not pay for loss of use either. Loss of use is were the rental car is unable to be rented for the time of repairs... this would be a cost I have seen be anywhere from 100 dollars and up, I have seen customers that have negotiated with the rental companies so this really isn't a huge deal.
What do I recommend>??? If the car is being rented for a day or two, purchase the Insurance.. it is worth it! However if the contract is for days, or weeks then I would suggest waiving the Insurance for the cost is exorbitant in most cases equal to the cost of the rental.
ALWAYS inspect the car< rule of thumb> go around the car a minimum of two times and look at ever panel, bumper, door and especially the windshield. Rental car companies are very infamous for sending bills out for dents, or a rock chip (they charge to replace the whole windshield) we have processed many claims that our clients are certain the damage was there prior to renting, however that is very difficult to prove or fight when you are 4,000 or so miles away! So ALWAYS inspect and get a copy of the inspection in hand prior to leaving the rental lot.
Renting in Mexico??? all of the above is void.. we only cover rentals in US, Canada.
Here are some discount codes:
Alamo 93689
Avis B769700
Budget T464300
Enterprise AMCAB1
Hertz 440284
National 5707746
(katherinehood@allstate.com)