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Do I have to buy liability protection when I rent a car?

When you rent a car, be sure you have insurance that provides liability protection. According to "Get a Financial Life" (Simon & Schuster Inc., New York), "If you own an automobile, your standard auto liability coverage may cover you when you rent a car. Check to make sure this is the case. If you don't own a car but you do rent cars, purchase car renter's liability insurance at the car rental counter." If you rent frequently, it may be cheaper to purchase a car renter's liability policy from an insurance company. If you rent while on business for your employer, ask your employer if it provides insurance while you're renting on the job.