If the accident happened in a "fault" state and another driver was responsible for the accident, that driver's insurance may ultimately reimburse you for medical expenses. If the accident occurred in a "no-fault" state, generally your insurance covers your own injuries; however, consult an auto accident attorney for how the laws of your state apply to your situation.

If you bought personal accident insurance (PAI) from the car rental company, it may duplicate some of the medical coverage you already have.

Other kinds of rental car insurance do not pay for injuries. Collision damage waiver (CDW) covers damage to the rental car. Personal effects coverage (PEC) pays for luggage and other personal items damaged in the car accident. Like the PAI, these other kinds of insurance may duplicate what you already have. Your car insurance probably covers damage to the rental car and your homeowners or renters insurance should cover your personal belongings.