Kyte offers comprehensive insurance and protection options to ensure your rental experience is worry-free. Coverage options and bundles vary by location to comply with local regulations and provide you with the best protection.
Coverage Types Explained
Collision Damage Waiver (CDW)
Covers: Damage to the car's body up to $30,000 per incident after a $500 deductible
Excludes: Mechanical issues caused by misuse
Note: In New York City and Brooklyn, includes Roadside Assistance Coverage
Other Markets: Roadside Assistance Coverage must be purchased separately
Liability Coverage (RCLI)
Covers: State-required minimum liability insurance for bodily injury and property damage
Legal Requirement: Liability coverage is mandatory to rent a vehicle in your state
Note: Coverage limits vary by state (see state-specific details below)
Supplemental Liability Coverage (SLI)
Extra Protection: Provides additional liability coverage for authorized drivers
Coverage Details: Extends liability coverage up to $300,000 total, with $75,000 per person for bodily injury and $10,000 for property damage
Coordination: Works with your primary insurance, applying after primary coverage
Note: Supplements but doesn't replace basic liability coverage
Roadside Assistance Coverage (RAC)
What's Covered: Assistance for minor issues like flat tires, battery problems, lockouts, tire changes (with spare), and towing
What's Not Covered: Costs of materials like fluids, parts, tires, or glass
Note: In NYC and Brooklyn, RAC is included with CDW
New York City and Brooklyn Coverage
In NYC and Brooklyn, state minimum liability insurance is automatically included at no extra charge. For details about New York State's minimum auto insurance requirements, visit the Department of Financial Services website.
Premium Coverage
Supplemental Liability Insurance: Extends coverage up to $100,000 per incident
Damage Insurance: $500 maximum out-of-pocket for vehicle damage
24/7 Roadside Assistance
Personal Effects Insurance: Covers personal items up to $500
Standard Coverage
Supplemental Liability Insurance: Extends coverage up to $100,000 per incident
Damage Insurance: $500 maximum out-of-pocket for vehicle damage
Essential Coverage
Supplemental Liability Insurance: Extends coverage up to $100,000 per incident
Why Choose It: Enhanced liability protection that raises your coverage to $100,000 per incident, providing better protection at competitive rates
New Jersey and San Francisco Coverage
Premium Protection: The Ultimate Peace of Mind
Liability Coverage: Meets state minimum liability insurance requirements
Damage Insurance: Protects your rental car against damage, up to $30,000 per incident (after a $500 deductible).
Supplemental Liability Coverage: Extends liability coverage up to $300,000 total
Roadside Assistance Coverage: Assistance for minor issues like flat tires, battery problems, lockouts, tire changes (with spare), and towing
Standard Protection: Popular and Practical
Liability Coverage: Meets state minimum liability insurance requirements
Damage Insurance: Protects your rental car against damage up to $30,000 per incident (after a $500 deductible)
Minimum Protection: Essential Coverage
Liability Coverage: Meets state minimum liability insurance requirements
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident | |
| $5,000 property damage liability per accident $15,000 personal injury protection |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $50,000 liability for death per person $100,000 liability for death per accident $10,000 property damage liability per accident $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection |
Have your own car rental insurance?
If you have existing car insurance or credit card benefits that cover rental cars, you can use them with Kyte. Here's how to ensure a seamless experience:
Provide Your Insurance Information: During the final step of the Kyte booking process, you'll be asked about insurance coverage. Enter the name of your insurance provider to indicate you have your own coverage.
Verify Your Credit Card Coverage: Many credit cards offer some form of rental car protection. However, it's important to understand the specifics. Credit cards typically do not offer liability insurance, which is required to drive legally in every U.S. state. To learn more about what your credit card covers (and what it doesn't), read our comprehensive guide: Does my credit card cover liability insurance and damage protection?
When to choose your coverage?
Before Your Trip: Select insurance options during the booking process for a seamless experience
If You Forget: Contact Kyte customer support at least 2 hours before your trip starts to add coverage