Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.601 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
Do you currently own a car? (Not every AAA member does.) Do you have any insurance that covers you for loss/damage to a rental car, and for injuries you might cause to others when driving a rental car?
I believe that the Chase/UA Explorer card (is that the one you have?) offers primary LDW coverage, as long as you charge the entire rental to the card.