All the talk about Mastercard or Visa or any credit card Free LDW coverage, is just pure theory.

You have to actually use it and then you will realize that you do jump thru hoops in order to get the benefits.

There are items they dont cover - the Admin Fee is not covered, the loss of revenues is covered only in theory - it is very difficult to get it paid because the insurance company asks exact documentation which the rental car companies are reluctant to provide.

I have invoked a Mastercard coverage for hail storm damage in Yellowstone. All told, after 4 months, Mastercard paid $2,280 repair, refused to pay for loss of revenues claiming the docs submitted by Thrifty was unacceptable, Admin fee was not covered. We paid Thrifty $350 or around that. Had we bought the insurance, it was a measly $16 a day for 5 days. I would gladly pay that if I rent in an area where weather is totally unpredictable.

The AMEX coverage while it is duplicate, but it is money well-spent to rid oneself from all the hassels that would entail when you need to use the other credit card free coverage.

And now, may we discuss the LDW pro/con in a separate new thread, and return this thread back to Avis discount codes, please?