I'm planning on renting a car in France for about one month. I live in the United States and my insurance company (State Farm) states that their coverage does not extend beyond the U.S. and Canada.
My question are
- what sort of insurance should I get? Or does the car rental normally cover insurance? I presume I need the equivalent of liability and collision?
- What special terms (in french) should I be looking for to make sure I'm covered?
I feel like I need to know this beforehand. Here, in the United States, car rental companies almost always try to get you to purchase some extra "collision" insurance. Normally, your standard auto policy already covers you.
I don't plan on getting in an accident, but obviously a complete loss of the car would be very expensive.
Bonus question :) Good ways to rent cars in France (Uzes region). Lease? Major car rental company?
UPDATE Based on Peter's very useful comment, I went digging into the details of my Costco Citibank Visa card. It looks like it covers damage to the rental car, but not to other cars and not damage to people:
"We will cover You up to $50,000 toward the cost of repairs or the cash value of the car, whichever is less, if a covered accident or theft occurs when You pay for a rental car with Your Citi® Card and decline the rental company’s collision loss/ damage insurance."
This seems like a good start, but I'd still be on the hook for damage to other cars/people.
UPDATE 2 (for future readers but check if laws have changed!) So the comments/answers below suggest that some credit cards cover collision and theft and I found that to be true. That leaves liability. It appears that in France at least, liability insurance is included in the car rental price and must be by law. See for example: https://www.autoeurope.com/travel-guides/france/france-car-rental-insurance/ and in particular the quote "When renting a car in France it is required by law that drivers carry unlimited third party liability insurance, and as a result it is automatically included in the price of all car rentals." So, I think I'm all set except for the nagging detail that my two credit cards have... You are covered for collision/theft if you rent for 31 days or less. And of course, we need the car for 32 days :)