Is rental insurance worth it?

I recently took a road trip with some friends and was in charge of taking care of the rental. I found a car that came at a great price and ordered online. I went without the insurance on the order. I went with one of my friends to go pick it up. While at the counter and processing the order, the employee did the whole last minute attempt to get me to buy insurance. She even offered me a discount rate to try to make the sale. I was on the fence until my friend told me a story where they were hit in a rental before. So, reluctantly I paid more for it.

The thing is, I think it's just such a fricken scam. The price of the insurance was half the price of the entire rental. The likelihood of something happening while driving, to me, isn't worth the price, especially since the existence of the insurance is contingent on whether you pay for it or not. It's not like the company doesn't have it already.

And, no, nothing happened on the trip. We came home perfectly fine, car intact, the end. So, essentially, I was out extra cash for no reason. What do you think? Do you buy insurance when you rent?

Do You Pay a Deductible When You Weren't at Fault?

I recently had my car hit in a residential parking lot, and naturally the other driver was at fault. I wasn't even in the car at the time, I was in my apartment at 3 AM. Well, I thought my insurance would simply cover it, but after calling them I found out that they still want me to pay a $200 deductible, even though it wasn't my fault!

They said that they MIGHT be able get my deductible back, after I decide whether or not I want to file the claim, but they won't offer me any guarantees. This seems like a huge risk, and not worth it to fix a dent in my car. My mom tells me this isn't normal, and that I shouldn't have to pay out of pocket if I'm not at fault.

Is this normal? Has anyone had their insurance company tell them their policy is similar? It seems outrageous to me, and my mom thinks I should leave my insurance company.

Should I sell my car?

I recently moved in with my fiancé and no longer have a garage to park my car. it's a pain in the ass to constantly keep track of where I parked my car and manage when to move it so that I don't get 1 million tickets. should I do?

Looking for New Car

I want to buy a new car but can't decide which of the following brands to pick. Help!

Driverless Car

I have been wondering about the “driverless” car and how it can work in busy cities or narrow roads where one driver or the other must give way to the opposing driver. Each of us while driving make decisions technically violate the road driving laws (e.g., crossing over a yellow line to pull around a double-parked vehicle). Rhetorically I wonder: How can driverless cars work around such conundrums that require human judgment? Would driverless car companies program the software to violate the law?

My question for you: would you ride in a driverless car?

Choosing a Car

I have had my car for 15 years and think it is time that I get a new car, but I don’t know what to get. My car for the past 15 years is a Jeep Cherokee, which can seat up to 5 people, including the driver. It would be fun to have a 2-seater sports car. I occasionally have had more than one passenger, but not often.

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