I would always get the insurance, regardless of whether or not you had your own. Think of it this way, $10 a day saves your ass big time in the event you get in an accident and if you have insurance it saves you from paying huge premiums. I would tell her to get the insurance. Cheap nothin, I would rather pay the $10 bucks a day then pay a huge settlement later in the event the car is wrecked. Just tell her to get it. Especially since it's only what, 1, 2 maybe 3 days