By law, rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. Often the state mandated minimum is $20,000 per person / $40,000 per accident. If you are responsible for paying for someone?s injury because of an at fault accident how far do you think $20,000 would go? After the $20,000 is paid out the bills go to you. (ouch!) You are not required to purchase the LDW ? Loss Damage Waiver but then you are responsible for any damage to the vehicle, If the car is stolen you will be buying them a new car. However you might want to check your credit card they may offer some limited coverage (but don?t forget to use that card when you are renting the car)
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