As mentioned above, it's a good idea to weigh risks versus costs when deciding on the importance of travel insurance for personal liability. Suppose, for example, you are on vacation in the United States when the rental car you are driving accidentally hits a pedestrian. The car is severely damaged; while the pedestrian is still alive, he is struggling to stay alive. There's a good chance your travel insurance will cover such incidents, but can you pay out of pocket for a lawsuit brought by the pedestrian or his family if you don't have liability insurance? Now, if you were to get sued while in the United States, you are looking at $200 to $1000 an hour to hire a lawyer. Take a second and now let's compare this to the cost of travel insurance with personal liability coverage in the United States. A 2-week trip policy for a person 21 years or older costs only $98.45; less than half the amount for the cheapest lawyer. While most insurance policies offer the same coverage, there are differences in what each insurer will and will not cover. When it comes to personal liability, most insurance companies do not cover the following resulting claims