Originally Posted by
Larrude
Well, there are some US policies that do provide world wide liability coverage on rental vehicles. You may not be able to purchase a policy like this, but one that I am aware of is the Chubb High Value automobile policy.
Finding the coverage for free on a credit card (or even low cost) is going to be next to impossible. Realize that on CDW, the potential risk to the car issuer is maybe $50,000 max. Liability coverage, if offered, with be useless more most people if it provided less than $300k coverage - something that I doubt the credit card would give for free or even at low cost.
Thanks for the info on Chubb. It may not make sense to change by insurance company for this, but I'd sure like to know the options.
I think you're right about the liability coverage. While the risk is much lower than the CDW, the damages are higher, and I doubt any credit card company wants to mess with foreign legal systems on this.
FWIW, I phoned down to my Costa Rican car rental company and they told me the $500 liability number was "a mistake" (hmmm). It seems to be 500,000 colones (now THAT'S a big mistake!). So I think I'm sufficiently OK on this rental. But this is definitely a potential minefield that I've never paid much attention to, even though I've been renting cars overseas for 20 years (and, knock wood, never had a bigger problem than a flat tire).