I doubt many people enjoy sorting through insurance paperwork, but the paper cuts and headaches are worth the hassle. Some of my friends thought rental cars were included in their car insurance only to find – after being in a car accident – that they weren’t. My friends ended up having to pay their deductible as well as the cost of a rental. Ouch. If they had reviewed their coverage, they might have noticed the gap in it and paid the few extra dollars per month to have a rental included in their auto insurance.