Core Viewpoint - The necessity of additional insurance when renting a car is questioned, highlighting the distinction between the vehicle's inherent insurance and the supplementary insurance offered by rental companies [2][3]. Group 1: Insurance Types - All motor vehicles are required by law to have compulsory traffic accident liability insurance, which primarily covers third-party injuries and property damage [2]. - Rental companies typically provide basic commercial insurance, including third-party liability and vehicle damage insurance, but these do not cover all costs, often having deductibles or limits [2]. - Additional insurance options, such as waiver of deductible and theft coverage, are designed to fill the gaps left by basic insurance [2]. Group 2: Customer Experience - Rental companies recommend additional insurance to enhance customer peace of mind, allowing them to focus on the rental experience without worrying about minor costs in case of accidents [3]. - A specific case illustrates that purchasing additional insurance can prevent significant out-of-pocket expenses, as seen when a customer faced a 5,800 yuan windshield replacement cost that could have been covered by a 640 yuan additional insurance purchase [3]. Group 3: Consumer Guidance - Consumers are advised to carefully read the terms of additional insurance to ensure coverage includes specific damages and to be aware of exclusions [3]. - Legal advice emphasizes the importance of confirming the vehicle's insurance status before renting, insisting on written contracts, and verifying vehicle conditions to mitigate risks [4]. - The decision to purchase additional insurance ultimately depends on individual risk tolerance, driving skills, and risk assessment of the journey [4].