The car rental company will offer its own auto insurance coverage. You may not need to buy this additional coverage because you have auto insurance coverage from your own insurance company.

In addition to your auto insurance policy, it is very possible that you have auto insurance coverage through your credit card company as well.

Because this additional purchase can amount to a great deal of additional out of pocket expense, it is best to check with your auto insurance and credit card companies for the specific details of your coverages.

Generally speaking, when you rent a vehicle, the liability limits that you have with your own insurance policy will extend to your rental with the same limits. In addition, the comprehensive and collision coverage you have in your personal auto policy remain in effect with the same deductibles.

Check with your insurance professional to understand the charges that you might be responsible for in the event of an accident.