First off, a lot of UNITED STATE motorists currently carry car insurance policy which will supply full or partial security while driving a rental automobile (within certain buck limits as well as protection only for leasings within the USA and, occasionally, Canada). Some insurance coverage just cover cars leased while your own auto is being repaired, while most do not cover certain kinds of cars, like deluxe autos or vans. Examine your own personal policy for these restrictions and exclusions.
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