Originally Posted by
STS-134
In what way does it *ever* make sense to pay $24.95 for rental insurance? Yes, if something happens, it makes it easier, but I've rented a lot of cars and the probability that something will actually happen to the car is low (only one of my rentals has ever been damaged during the rental period). If I had paid $24.95 for every rental, I'd probably be out well over $2k-3k by now (the damage to the one rental that did take damage was about $350 and covered by the credit card, and if if had gone past the deductible, the remainder would have been covered by my personal insurance).
If renting internationally, paying $24.95 for AMEX insurance probably would be overkill as many credit cards already offers primary coverage. Within the US, it may make sense unless your credit card also offers primary coverage