You've just started your vacation. You've arrived at your destination by plane, collected your luggage, and are in the process of renting a car.You've given the person behind the counter your driver's license and credit card, and now you are being asked if you want to buy "coverage"from the rental car company.
Do you need it?
Possibly not, but how can you be sure? The best way is to be prepared and know the answer to this question before you leave on your vacation.
Why shouldn't you buy insurance from a rental car company? The person behind the counter is (usually) not a licensed insurance professional. He or she is not conversant with insurance laws and won't know whether or not your personal auto policy covers you when you rent a vehicle (in most circumstances, it does).
Some rental car company personnel may say you are required to by the coverage (not true) or you will be personally liable for any damage to the car while you're renting it (most likely, not true).