Question: The car rental counter is asking if I want to take their insurance. I told them that I have insurance but they said I would be on the hook if I didn’t take it. Do I need it? Answer: If you have collision and comprehensive coverage on your own policy, it usually will extend to a rental car as the rental car is typically “replacing” your personal vehicle for a short period of time. However, you will still be on the hook for your deductible. If you don’t have compreh