09-25-2015, 06:06 AM
At least in CA, legally the only insurance you HAVE to carry IS liability, so by not having it, you would be breaking the law (but I'm not sure how this is applied to rental cars). But as I found out recently, not being insured can also affect your rights in the event of an accident, and just because you don't plan to have an accident, doesn't mean you won't. And even if that accident technically isn't your fault, you could still be placed with some of the blame.