Should you buy the rental car damage waiver?

Q-Hi friends! What do you normally tell your peeps when they ask about taking the insurance out on a rental car while being on vacation? I feel like it’s such a gray area. TIA!

A-It is a temporary substitute auto, so whatever you have on your car, extends to the rental. So no collision on your own car, no collision on the rental. But also things to consider:
*With no waiver, that claim now shows up as a claim on your insurance
*The rental company MIGHT get you for diminished value of the rental car
*They could demand "loss of use" for the rental car until repaired

We tell them the coverages that extend to the rental but always recommend they take the coverages from the rental company to fill any potential voids in coverages if a claim were to arise.