Do I Need To Purchase Insurance When I Rent A Car? 
Here is a life hack : 1 . Check with your credit card provider . Many of them offer liability coverage automatically included as long as you pay for the rental with this card . 2 . If you have business insurance , but no business auto , add Hired/Non-Owned coverage . For pennies a day -LRB- $ 100 - $ 200 a year -RRB- it will provide you with auto liability insurance for cars you rent or borrow for your business needs . It also covers your employees ' and your personal auto that was used in a course of business . For example , you are asking your employee to drop off office keys . The employee gets into the accident . You have liability coverage provided . 3 . Some insurance carrier also offer hired car property damage . This is the coverage for the car you rented/hired/borrowed . 