What Type Of Insurance Should I Get When Renting A Car? 
While it may be true your own liability , comprehensive and collision coverage may extend to cover you when renting a car , most of the rental agreements I have read make the renter responsible for expenses not covered by most auto insurance policies . In addition to the responsibility for the deductible , most rental companies make you reimburse them for the loss of value to their damaged car , the revenue they lose while the car is out of service and even the administrative costs they incur having the car repaired . These costs are not covered by most auto insurance policies . Remember you gave them your credit card and permission to put those charges right on your card . That might make your trip one you will remember ! And the damage to the rental car might not even be your fault ! Unless you have a good personal umbrella policy without a following form auto limitation and/or personal property care custody or control exclusion , I suggest you consider buying the damage waiver rental companies offer . The price is ridiculously high but it avoids an argument with a big company who would have your money and doesnt like to give it back . If more people would read the rental agreement and object to accepting responsibility for these costs , maybe the rental companies would remove these indemnity clauses for many of their good repeat rental customers . Until then it may be a matter of Pay me now or Pay me later . 