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RealCar Insurance & Coverage Options Explained

Updated 10/19/26

Coverage Types

Collision Damage Waiver (CDW)

Covers car damage up to $30,000 per incident after $500 deductible. In NYC/Brooklyn includes Roadside Assistance.

Liability Coverage (RCLI)

State-required minimum liability insurance. Mandatory for all rentals.

Supplemental Liability (SLI)

Extends coverage up to $300,000 total.

Roadside Assistance (RAC)

Flat tires, battery, lockouts, towing. In NYC/Brooklyn included with CDW; elsewhere purchased separately.

NYC Bundles

  • Premium: SLI + Damage ($500 max) + Roadside + Personal Effects
  • Standard: SLI + Damage ($500 max)
  • Essential: SLI only

Miami

  • Premium: Liability + Damage + SLI + Roadside
  • Standard: Liability + Damage
  • Minimum: State minimum liability only

Have Your Own Insurance?

You can use personal insurance or credit card benefits. Note: credit cards rarely cover liability.