The liability protection that you carry for bodily injury and property damage will provide some protection while you are driving the rental car. If you have a Minnesota personal auto policy, damage to the rental car itself would be covered under your property damage liability, however, a claim could impact your auto policy premiums. The rental car company may also try to recover damages for lost income while the rental car is out of service. Your auto policy may or may not protect you against this claim; the best way to know is to look at your policy or ask us to review it for you. Credit card companies often provide protection against these kinds of rental car claims so you should check there to see what the provisions and restrictions might be. Finally, you can purchase a Collision Damage Waiver - CDW - from the rental car company. This isn't actually insurance, but a release from financial liability you might otherwise be charged with as a result of damaging the rental car. The CDW is expensive, in some cases up to $30 a day, but paying the CDW over a few days may be preferable over a possible claim and premium increase on your personal auto policy.