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Here’s more about that from Vox.com:
If you’ve ever rented a car, you’ve probably been pressured to buy insurance. A salesperson will inevitably urge you to pay a little extra for what seems like lot of protection. He or she might keep offering you alternative plans if you decline — and as you stand there, uncertain of your coverage and fearful of calamity, it might feel like the prudent, adult move to simply say yes.
What the salesperson doesn’t tell you is that most drivers won’t actually benefit much from their insurance. In some instances, buying it from the rental company will even nullify certain types of existing coverage, leaving you with no more protection than if you’d opted out in the first place.
Insurance is a very profitable add-on, and these agents sell it on commission — but in most cases, you probably don’t need to get it.
To figure out what to get, it’s helpful to distinguish between the two main types of insurance rental companies will try to sell you:
If you have your own car — and thus your own insurance plan — you probably have both of these forms of protection already. They’re built into most plans, the vast majority of which extend to cover rental cars.