This insurance provides coverage in case a claim is made against you, for example, by someone who was injured or suffered property damage in an accident in which you were involved. The state-mandated minimums are automatically included in the rental rate, but you may well wish to have more than these minimum amounts. There are several alternatives to purchasing this from the rental agency. Some universities or laboratories provide liability insurance for your work-related travel. Sometimes, it may be included with your personal auto insurance or may be added for a small premium, or you may be covered under your umbrella insurance liability policy, or you may be able to amend it to reduce your deductible. Contact your insurance agent to find out what coverage you already have or what it would cost to purchase. Some limited liability insurance may be included with the credit card that you use to rent the car.