Originally Posted by
JLewisinSyr
If you purchase the ALI, it typically is excess, but when there is no additional coverage present, it becomes primary (not that dissimilar to secondary rental car coverage provided by most credit cards).
Actually, my understanding has always been if you purchase ALI (also called SLI or SLP at other companies), it makes the rental company's liability become primary. Same net effect for someone who doesn't have any existing liability coverage, though.