Originally Posted by Happy

It is USELESS even when the rental car company provided the documents.

This is from personal experience on a hailstorm damage using a Citicard and therefore claimed coverage with MasterRental. The rental car company's adjuster also told me she had never seen MC paid that portion of the claim among all the claims with CC coverage she processed. At the time I also asked someone in the Avis forum, who was an Avis on-site manager. He told me he never saw that part of claims was successful with his location either.

As far as I know, CC coverage does not cover liabilities, only the damage to the car itself, nothing else. If I do not have a car insurance policy nor an umbrella coverage, I would opt for supplemental liability coverage as well. The last thing you want is someone suing you for bodily injury or property damage and you have 0 coverage, but have assets.