1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    That is going to depend on how well you wish to be protected from finacial hardship should you be involved in an accident that you are deemed responsible for. Your auto insurance policy that you have will more than likely only provide liability coverage in the event of an accident. You may wish to look into the comprehensive (other than collision), collision, and loss of use coverages that are typically offered by the rental car company. Please remember that every policy is different please read your policy completely to understand the coverages provided and any exclusions that may be contained within.
    Answered on September 14, 2013
  2. 0 POINTS
    Dmitriy Glazer
    When you are renting a car, look at the following coverage options:

    1. Liability - make sure you opt in for the 3rd liability insurance. This will cover other party physical damage and injuries in case of an accident.
    2. Car Physical damage - this is the coverage for the vehicle you rent. Usually it bears $0 deductible and covers from a first dollar on.
    3. PIP - or personal injury protection - if you drive with other people seating in car, this will provide coverage to your passengers. 

    Other optional coverage offered by rental companies may include:
    1. Personal property: luggage, cellphones, computers etc. Usually limited to a set by the rental company amount.
    2. Death: provides limited coverage for accidents involving death of passengers in the rental car.
    Answered on November 6, 2013
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