Under the best circumstances, having an auto accident is really annoying. It can be equally disturbing to realize you didn't buy rental car coverage on your auto insurance policy. So you could be faced with having no car while it's being repaired, paying the $500 deductible and another $300 to $500 for the rental car. If you've got the money, fine; but if you don't, rental coverage could be something you'd like to consider.
People may say "Hey, if the accident isn't my fault, I can collect from the other person's insurance carrier." That's true -- as long as the other person was at fault, they have insurance, and you get their name, plate number, license number, etc. If they don't have insurance, lots of luck taking them to small claims court for the rental car money.
I find that most of the time, it's better to take care of Number One and get the extra coverage. The cost is reasonable, ranging from $40 to around $100.
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rentals can be headaches
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