Originally Posted by
guv1976
If you are covered by your personal auto insurance policy for loss of or damage to the particular car you plan to rent (subject to your policy's deductible), and if you charge the rental to a credit card that offers free, "secondary" LDW coverage, your credit card would pick up the deductible portion of your personal insurance, were you to get into an accident with the rental car.
If you opt to purchase the Amex Premium coverage, then you would only have to deal with your personal insurance in the event that you caused injury to a third party, or damage to a third party's property.
So really, it comes down to...is it worth $19.95/$24.95 to not have to deal with my insurance company & credit card providing secondary coverage on the rental car. Correct? Either way, if there is an at fault and I cause damage to the other car, I have to deal with my personal insurance regardless, correct?