You should also evaluate your risk for an accident. Is the vehicle different than the vehicle you normally drive? Are you comfortable driving it or does it have you concerned or worried? Do you know where you are going with the vehicle, or are you unsure how to get from point A to point B. This is especially true for those pesky business trips that allow for a vehicle rental. If your risk of a collision is high, consider purchasing the insurance policy. If the vehicle will only be driven from known point A to known point B and the risk of a collision is low, you could consider skipping on the rental car liability insurance.



This insurance may also protect you from the possibility of the rental agency attempting to gain money for previous damage to the vehicle or assumed damage to the vehicle. It is prudent to go through the damages on a vehicle before accepting the vehicle for rental. All major scratches, dents and stains should be pointed out while the paper work is being completed to ensure that the rental agency does not attempt to blame the renter for previous damage done. This is a serious possibility if one agent checks out the car and another agent checks in the vehicle. In the case of the rental car liability insurance, all external damage is covered by the insurance company, eliminating the chances of an extra bill for repainting or cleaning of the vehicle.



While rental car liability is not needed by all vehicle renters, it may be needed for some renters. This is a great protection for those renters who were recently in automotive accidents or who are nervous about using someone else's vehicle, even if it is a rental agency's car.