When you rent a car, you will likely be asked if you want to add insurance. This can feel confusing, but it does not have to be. There are a few main types of coverage to consider. Collision damage waivers help cover costs if the rental car gets damaged. Liability coverage covers you if you cause harm to others or their property. Personal effects coverage can help if items are stolen from the car. Before you say yes or no, check your own auto insurance policy. Many times, your current plan may already cover rental cars near Doylestown.