Someone called with the following question; if I don’t buy the insurance and damage the rental car, who is paying for the damage? Ah, you! Sad part, this was a serious question. Unfortunately there is no magical collision damage fairy that appears to fix the car, if there was, there’d be no need for insurance.

Update (11/23/15): I never thought someone would ask this question again, I guess I think to highly of humanity, cause I got the question again?