Here's why:
* Rental companies are responsible for the car's safety: They have a financial interest in making sure the car is protected.
* Your own insurance might not cover a rental car: Your personal auto insurance policy might have limitations on rental car coverage.
* Rental car companies offer specific insurance for rentals: They provide coverage for things like collision damage, liability, and theft.
However, you can decline the rental company's insurance if you have your own auto insurance that covers rental cars. You'll need to check with your insurance provider to confirm your coverage.
Here are some important points to consider:
* Collision Damage Waiver (CDW) and Liability Insurance: These are common types of insurance offered by rental companies.
* Your personal insurance: Check if it offers coverage for rental cars, and if so, what the limits are.
* Credit card coverage: Some credit cards offer secondary rental car insurance.
Always read the fine print! Make sure you understand the terms and conditions of any insurance you purchase from the rental company or your own insurer.
Ultimately, the best choice for you depends on your specific situation and budget. Consider the coverage you need, the cost of each option, and whether your own insurance provides adequate protection.
