You are at a car rental counter after a six-hour flight, talking to a guy at the counter who presents you a pile of paperwork and some "irresistible" pitches. Indeed, most of said pitches that we get from various sources every day are nothing but garbage, and some also happen to be straight-up scams. In the case of rental cars, this may include a pass for the toll-road service fee or a tank full of fuel pre-paid. Before or after you accept any of these pitches, the counter rep will also present you with a car rental insurance offer possibly implying that if you decline this golden offer, you may end up wasting money!
By now, you may already be hesitating to say no. After all, it does look pretty good. However, often there is no real need for rental car insurance. It is true, though, that if you are renting a particularly expensive car, there is a likelihood that your credit card will not provide enough coverage.
Apart from that, there are several downsides of buying rental car insurance. We have listed the major ones in this article so that you can decide better for yourself.