Just one reason you should always purchase the insurance...
https://www.lensrentals.com/blog/2012/05/the-damage-waiver-bearly-covered-this-one
Seriously, my son-in-law's Tokina 11-16mm f2.8 was sent back for
service and so he had rented a Sigma 10-20mm from these guys. It was
on the camera that was not in his bag when he hit a low spot in the
highway filled with water and hydroplaned off the road, through a
barbed wire fence, and stopped when he hit a tree on the right front
wheel. Besides a nice dent in the top of his Pentax 6x7 prism
(otherwise none the worse for wear) the Sigma 10-20mm was the only
casualty of the accident. Fortunately, being cautious by nature, he
*had* purchased the damage waiver.
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