Perfectly stated. Buy the rental company insurance. You might want to read this to understand your liability if something happens when you rent:Based on the situation you’ve described, it certainly seems that in this case, you’re likely not liable for any damage that occurred from water. That said, imagine a situation where despite your careful driving and clean record, another uninsured driver hits you. The car was in your possession at the time. The other driver has no insurance to pay for the damage. The rental agency isn’t going to eat that loss, so you’re responsible for the cost of the damage, up to and including the replacement cost of the vehicle, just like you would be for your own car in such a case. While you’re welcome to take whatever financial risks you deem appropriate, I’d certainly look into different auto insurance or a credit card that covers rented vehicles, because I don’t want be liable. Food for thought.