Do I Need Insurance For a Rental Car?

So you’re going on vacation, great! You’re gonna need to get around somehow, right? Get a rental car; easy enough; but what about the insurance for the rental car? Oh, didn’t think of that.

Let’s go over that now, so you don’t have to deal with it when you get to that rental counter. So you’re renting a car; should you take out the insurance at the rental counter, or does your policy already cover you?