It depends. About half of all car insurance policies cover car rentals. Most polices do not cover overseas car rentals, trucks, pickup trucks, SUVS, and cars used for business purposes. Before purchasing rental insurance, read the policy of the car insurance that you already have or ask an insurance agent.

Some health insurance plans also cover car rentals. Also, some businesses pay for the car rental insurance of their employees when they travel on business in case of accidents that may occur on the job. Again, you should read carefully the auto insurance and other insurance policies that you already have. By doing so, you could save a lot of money. Only purchase additional rental insurance if you are sure that you are not already covered.