No. Choosing to reduce your risk by purchasing Rental Vehicle Excess Insurance is entirely your choice. It is not a legal requirement. However, in the event of an accident, suppliers will immediately charge your credit card a maximum damage excess fee of between $4,000 and $8,500 depending on the car type and the supplier. Without insurance or damage waiver cover, you will have no further options other than to pay the full amount of the damage up the excess amount. 

Find further information about your protection options when hiring a rental car.

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