As a local independent insurance agent here in Denver Colorado, there is not a week that goes by where we don't answer the question. DOES MY AUTO INSURANCE COVER ME WHEN I RENT A CAR? The answer is pretty simple but may surprise you a bit.  Your personal auto policy should provide coverage for you in a rental.  Here are some things to consider 1.  Are you a named insured on the policy? 2.  Do you have Liability Only or Physical Damage coverage on your personal auto insurance? 3.  Are you renting in the U.S.? 4.  Your personal auto policy will not cover you for loss of use.  This means that the number of days your rental is being fixed, you pay the rental car daily rate. If you follow these tips and consult with your agent, you fill see that you may not need to buy the damage waiver they provide. Rick Cline