Basic liability coverage—which covers damage you do to another car and medical costs for those injured in an accident that you caused—is typically included in the cost of the rental. This often does not provide enough protection, though, so consider upgrading. It’s up to you if you want to opt for the loss damage waiver, personal accident insurance or personal effects coverage, but generally, it’s a good idea. Otherwise, you could be on the hook financially if your rental is lost or stolen; if you or your passengers are injured in an accident; or if belongings are stolen from the vehicle. If you’re paying with a credit card, do some research to find out if the credit-card company offers primary rental car coverage, which covers damage to the rental car. However, primary coverage does not cover injuries to others and their property—so you’ll still want the personal liability insurance offered by the rental-car company. If you’re a frequent renter, you may want to consider non-owner’s car insurance, a low-cost option that’s ideal for individuals who don’t own a vehicle and only drive sometimes. For more information, talk to your insurance agent.