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.