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Most everyone has been sitting in that line at the airport waiting to pick up a rental car and wondered... "Should I get the Insurance?" A similar situation that happens less frequently... you've been in an not-at-fault accident (meaning someone hit you and they are to blame) and you are at the rental car counter after leaving the body shop.
As you suspected, the rental car rep asks for your credit card informing you that while the insurance company is picking up the bill you need to leave a deposit. The rep then asks you if you want their insurance (or protection or whatever it is that company calls it). The decision then may not be as easy. You may be thinking, "Shouldn't the other person's insurance company pay for that too?" What about if you do not carry comprehensive or collision coverage on the vehicle that was wrecked?
Previously employed by Enterprise Rent-A-Car, now an Agent for American Family,and having been in a wreck myself; I'll explain so of the ins and outs of getting their insurance. Some of the answers might surprise you. Bottom line, it is a good opportunity to contact your agent or follow-up with two more posts that I will make on this topic within a week.
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