Q. How do I insure the rental car?

If you have adequate coverage on your own car, you do not need the additional coverage the rental company will try to sell you. When you are using a "temporary replacement vehicle" (that's an insurance term for a rental car when your car is being repaired), your car's insurance is transferred to the rental car. If you purchase the additional insurance, it is "excess" insurance. Your car's insurance provides the primary coverage if you have an accident. The additional insurance is a "profit" center for the rental car company.