re: What is the purpose of buying insurance on a rental car if you have your own?

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Because if you buy theirs, theirs is primary.

So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.


Correct

This is the obvious answer

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This is right and wrong. Theirs would be primary, correct.

You will still end up being listed as the driver in an at-fault accident and that will be found by your insurance company. Your rates will still eventually go up once your insurance company finds it. And they will.