Car Rentals: Why You NEED Liability Insurance (Even w/ Card Perks)

The 4 types of car rental insurance and card benefits.

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[luisj.becerra]

I use to work at Enterprise and I have a card that has primary, but I get liability from the rental company so I don't pay my deductible. I did experience people totaled a car being in fault and having to pay out of pocket for not having liability.

[tayish]

I have gained so much knowledge just from your you tube. Keep up the good work. 😊😊

[davishlamburnt]

I've been waiting for this for the longest time. Thanks Sebby!

[WallStMario]

Liability is 17.95/day at Enterprise Rent A Car in FL. Im aware that it varies by state.

[tayish]

You are the best I've told all my friends about you.

[rosannachung]

Another thing to be aware of is that even credit cards that offer primary CDW often don't cover all costs associated with a damaged rental car. Depreciation/diminished value claims for the loss in value of the vehicle after the accident are usually excluded from credit card CDWs, leaving the renter stuck with the bill. A diminished value claim can end up being thousands of dollars in itself. For the most risk averse person, it may be worth it to purchase both CDW and liability from the rental company just so they can completely walk away in the event something happens.

[ytpremium]

My Chase freedom unlimited covers any car up to $65000 and covers the car 100%.

I parked at the mall and when I returned to my rental it was smashed in a hit and run by a semi from the side and considered salvage by DMV

Chase paid the full value of the Nissan which was $34, 000 and paid it within a week

[c.m.redhouse]

Hi Sebby, do you have any reviews or thought about the American Express Business benefit for Premium Rental Car Protection? From what I read, it is a rental protection of a "flat" rate up to 42 consecutive days of rental. No deductible for damage vehicles and may cover secondary medical. I have my own liability and never buy any type of insurance or protection at rental car agencies. But any word you've heard about the AMEX Premium Rental Car Protection.

[feelings-arent-facts]

I'm browsing a rental car in Santorini and you upload the video! So, I should use CSR to book and get the liability right?

[jrisbak]

If you want coverage purchase outside insurance like Sure Rental Insurance

[niansillabffs]

American Express says that I must refuse all coverage at the counter so I cannot get liability separately. Or did I read that wrong? For the preferred card

[ManjitSandhu]

Nice Video. Thanks. I do have my own insurance BUT when I rent a car I want coverage such that if I was in an accident I can just walk away with no out of pocket, no liability and no impact on my own car insurance rates. What is such a rental car insurance called. When I am at the rental counter what do i ask for?? And what does it typically cost (compared to say daily rental rate.. is it 50% or 100% of daily rental rate). Thanks

[TheMoises]

Card doesn’t cover another persons car so how does that go?

[hemantasharma]

What if my credit card offers only secondary collision damage insurance and i do not have a personal car insurance? If in case of collision, how does the secondary insurance kicks in.

[amandar]

If you use a chase card to cover CDW, and rent from a website like Expedia; do not I repeat do not buy rental insurance from Expedia or third party. Use the card, and then if you want buy only the liability from the rental company at the counter. /// if you did buy third party insurance, that voids the card CDW insurance.

[nicolasryanarcilla]

I called up Enterprise Rent A Car and they told me their cars already have liability protection. What they offer is supplemental liability protection which covers up to $1, 000, 000

[ntr]

If you accept additional coverage (liability) from the car rental company the primary CDW will no longer be put to use, correct? If I understood correctly the primary CDW is only able to be used if you reject additional coverage. Please inform me if I am incorrect.

[healthyamerican]

i hit a uhaul truck that pulled out in front of me...other driver was cited..neither driver nor uhaul nor geico wants to take responsibility. i have medical bills and a lawyer for this...i`m wondering who is going to be sued by the lawyer to pay up?

[WaynesTW]

Hi Sebby, which card do you usually use for car rentals ? I have a car in NYC so I am mostly covered when I rent somewhere else but can certainly benefit from roadside assistance or supplemental coverage offered by some credit cards. I use almost exclusively Sixt car rental and usually one of my Amex cards but now have CSR and it seems to provide better coverage. thanks for all the videos - thanks to you I have so many hotel points and miles that I will be able to travel for very little throughout the year!

[peteskeet]

Helpful! I always get CDW when renting.