I should also mention your coverage for the rental car will be the same as your coverage on your own car. So if you have a cheap paid for car and you don't carry collision insurance, then you better buy the rental company insurance as when you wreck their 2015 car you also won't have collision coverage for that. Also I'm pretty sure the coverage only covers similar type vehicles. Meaning I don't think your motorhome insurance would cover a rental car. So if you don't have a car at all you may wish to check on that too.