ORLANDO, Fla. – It’s one of the most common dilemmas facing a traveler: “Do I pay extra for the rental car company’s insurance, or waive it and hope my own coverage is enough?”

If you’re asking yourself this question *at* the rental car counter – my friend, you haven’t done your homework and you’re about to take a test you didn’t study for.

Time for a lesson.

What Your Personal Car Insurance Covers

If you already own a vehicle and have coverage, your liability insurance – car insurance required by law – usually extends to rentals. That means damage or injuries you cause to others while driving is covered.

Class dismissed? Not quite.

Liability insurance alone, however, doesn’t cover the rental vehicle itself. It isn’t quite as bad as “You wreck it, you buy it,” but liability insura

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