Car Rental Insurance?

 

 

What happens if you rent a car and decline any coverage? I was told that if you were involed in an accident you would have to make a claim with your own insurance company. What if you don't own a car and thus don't have an insurance company? Are there limits to the amount of responsibility of the renter? I mean if the car is totaled does the renter really have to replace the entire cost of the car out of his pocket as well as damage to the other car and injury to it's occupants? I know i'm not alone in declining insurance. But if I got into an accident I always assumed I would just be responsible for a deductable and not the total amout of damage to the cars and injuries. Serious answers only. I really don't need to hear "yes, you need insurance or you're screwed" That tells me nothing.

 

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SOURCE: http://www.insurelabs.com/forums/topic/car-rental-insurance/