Do you need a rental car insurance? It's a question many people ask very simply because the car rental agents in general believe that you are committing a crime when you do not accept it, making you sign a release waiver. You may be reluctant to reject it and you can even accept it because you think that somehow it will provide additional protection in case. Be clear, insurance for rental cars will not provide additional benefits above and beyond what your auto insurance or credit card to pay.