Originally Posted by guv1976

I must confess that I have never understood this argument. If your personal auto is stolen or damaged, you will have to submit a claim to your insurer, and your premium may go up. Do you really think that you are more likely to have a rental car stolen or damaged than your personal auto? And even if the answer is yes, is the likelihood so much greater as to make it worth paying the relatively high cost for primary car-rental coverage? Remember that the credit-card insurance will not cover you for damage you cause to other cars or property, and even the supplemental credit-card insurance provides only limited coverage for physical injury you cause to others. You would still have to rely on your personal auto insurance coverage in those situations.

Think of it this way: You only have one policy for your personal auto. If you have to make a claim for something involving your personal auto, your premium may go up. But you haven't purchased a second policy for your personal auto, so that you can avoid making a claim on your first policy. But that is exactly what you are doing when you purchase supplemental car-rental insurance.