If you own a car and have your own auto insurance policy it still may make sense to carry the coverage that a rental car company offers. Most auto insurance companies will extend the liability and physical damage coverage to a car you rent. However, they usually will not cover "loss of use". Even though your insurance will normally fix the car, the rental company will bill you for the daily rental of that car until it's repaired and put back into service. Your auto insurance won't usually cover this cost. Think about it this way: if the car costs $30/day to rent and it takes 2 weeks to fix it and put it back in service, the rental car company will expect you to pay that $420 that it could have gotten if they had the car to rent. Their coverage will normally waive these costs.
If you don't carry physical damage on your own car, then you also have no physical damage coverage on a rental car.
So, if you don't have your own auto policy, or you don't have physical damage coverage on your policy, I would recommend taking the rental company's coverage. I would also recommend it if you don't want to run the risk of having to pay loss of use charges after an accident.
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If you don't carry physical damage on your own car, then you also have no physical damage coverage on a rental car.
So, if you don't have your own auto policy, or you don't have physical damage coverage on your policy, I would recommend taking the rental company's coverage. I would also recommend it if you don't want to run the risk of having to pay loss of use charges after an accident.