Rental Car Insurance Information

IMPORTANT NOTICE:  Effective August 1, 2018, personal use car rentals with National and Enterprise for faculty, staff and retirees will no longer include damage waiver coverage or third party liability coverage for rentals in the US.

The University requires insurance coverage on all cars rented for University business.

LOSS DAMAGE: For all rentals at U.S. locations, National will include the Loss Damage Waiver fee in the rental rate. National waives its right to collect for loss and damage to the rental vehicle, regardless of rate selected, provided the renter and any authorized driver have complied with the terms of the applicable standard Rental Agreement.


National and Enterprise provide free Loss Damage Waiver (LDW) insurance for the full value of the car at all National and Enterprise locations within the continental United States, Alaska and Hawaii. Insurance is provided by National in Latin America, the Caribbean (LAC), Asia, and the Pacific Basin. Insurance is provided by Enterprise in Europe, the Middle East, and Africa (EMEA). National and Enterprise also include Single Limit Liability coverage in the amount of $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 for property damage for rentals in the US. This coverage is provided at no extra charge for business rentals only. Please note that a deductible may apply on international rentals.  To get these no-cost insurances, be sure to use Penn State’s corporate discount number (XZ40034 for National and Enterprise) and decline all insurances when booking with National or Enterprise. When comparing National’s and Enterprise’s corporate and promotional rates to other car rental rates, the cost of insurance should be included in the non-contract rates to give a true comparison.