Originally Posted by
abcx
Thank you for the informative responses. Obviously, the CDW is not the issue here because the card covers that. It is personal accident and third party liability.
So do you folks have any recommendations for what insurance I can get for a rental? Does Amex have a product? Annual insurance does not make sense for me as I don't have a car and only rent occasionally (twice or thrice a year).
As a student, I don't really have assets that I need to protect (maybe 20k max).
Don't know why you need any extra insurance. You should be covered to the state mandated minimum. You have no assets to protect beyond that. The CDW is worthless because your card will cover you. I think you will be fine with just renting and using your credit card. The rental will include a minimal amount of liability coverage and the card will cover collision.