Do I Need Car Insurance On A Rental? 
If you have a personal auto coverage and you rent a car your existing auto policy will cover you in the rental car , but if you have an accident you will have to pay your normal deductible . The rental car companies make a LOT of money from selling really overpriced insurance and in general it 's a good idea to just say no as long as you do have a personal auto policy . If you do n't have a personal auto policy then you do need to get the rental insurance to at least have the legally required liability coverage . Many credit cards also provide you some rental car insurance for free , so check with your credit card company too . 