Others will cover you, but only for a limited time. Many credit companies will not allow you to use their collision insurance if you purchase any from the rental car company. But because some cards do not include liability coverage, they will allow you to purchase that. When it comes to the coverage they offer, all car rental companies are not created equal. Even collision coverage differs.
Some firms cover anything on the car.
Usually, you won't be covered at all if your accident is the result of outrageous behavior on your part, according to Salvatore. So if you crunch a fender going the wrong way down a one-way street in a strange city, you could be on your own. Find out ahead of time if the company's insurance will still cover you. Some vacationers pick up the rental insurance believing that if they have an accident, they'll be protected from a rate increase from their regular insurance company. Instead, you should call your insurance company as soon as you get back to your hotel.