ST Alpha - "So car rental insurance...? Don't need it if I already have my own car insured, right? -- nm" (Reading a Post)

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So car rental insurance...? Don't need it if I already have my own car insured, right? -- nm

Posted by Mop (aka Rburriel) Apr 5 '16, 14:45

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Responses:

In most cases, no you do not need it. -- (edited) - ReluctantCynic Apr 5, 14:47 2
- Thanks! I looked up my credit card and Chase expressly tells me to decline the rental agency's coverage since Chase has the waiver. -- nm - Mop Apr 5, 15:32
- "My lawyer, RC, informs me that I do not need this. Good day, sir!" -- nm - the brain Apr 5, 14:55
It's not insurance, you're paying for them to waive their right to sue you or go after your insurance if you damage the car. - spamlet, spreading happiness and joy where he goes Apr 5, 14:47 4
- it's worth checking ahead of time if one of your credit cards offers coverage. I can't find my post about it, but it can also be good for out of - b. Apr 5, 14:58 3
  - This...though ain't some pulling some of these features? -- nm - zeitgeist Apr 5, 15:29 1
    - some, yes; but others still have one kind of coverage or another and/or offer lower-price supplemental insurance. -- nm - b. Apr 5, 15:32
  - Usually it's only secondary liability that kicks in after your insurance pays unless your card has a fee. Then it might be primary insurance. -- nm - iSpam Apr 5, 15:01
I believe that covers you for liability for damage you to do someone else. Probably not for damage to your rental car. -- nm - pmb Apr 5, 14:46

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