I guess I have a different viewpoint. My personal auto insurance will have a cliam against it if I use it for a rental car and have to put in a claim. No thanks. I really don't want a claim or premium increase. By using the AMX additional coverage, I do not have to have any hassles with claims against my personal policy. It is a full coverage, primary insurance that does not affect my personal auto policy. You need to check your personal auto insurance policy for coverage. It is often subject to the same deductables as your own car and you will still be resonsible for costs.