When is rental car insurance necessary, and which type should you choose?

There's no definitive answer to this question, as it depends on several factors, such as the type of car you're renting and your circumstances. However, as a general rule of thumb, it's usually best to get rental car insurance if you're renting a car for an extended period or if you're going to be driving in an unfamiliar area. The type of rental car insurance you'll need will depend on your situation, but some standard options include collision damage waiver (CDW) insurance and personal accident insurance.