Originally Posted by
guv1976
If your personal auto insurance policy states that no coverage is provided for damage to rented automobiles, I don't see why you would have to file a claim with your insurance carrier, Liberty Mutual. According to you, LM won't pay such a claim, and the credit card insurance people will just need to see proof that you have no insurance that covers you for damage to rented automobiles. Your LM insurance policy should be sufficient proof of that.
Although I have never tested it, I would think that the CC would require that you file and then the denial of what is covered would be what the CC would base their liability on. I wish I could verify that a CC would take my policy at face value and not involve LM.
Originally Posted by
guv1976
And yes, it's true that Amex premium car rental protection does provide $75,000 or $100,000 of accidental death and dismemberment coverage, but the coverage only applies to the renter and the renter's passengers. If you are in an accident and injure or kill someone who is not riding in the rental car, you are not covered by Amex for those damages.
Yes. This is true. My personal policy covers me for those in the other car.