This is often the most duplicated type of coverage because you usually get the benefits of CDW or LD

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Dislaimer:  I am neither an insurance agent nor a personal injury lawyer.  Insurance policies vary tremendously, so please read the terms of your insurance policy and talk with your insurance agent when making a decision to purchase insurance.
Keep in mind I have no car so I don't have any other insurance.  What should I be doing about insurance for the other car in an accident?  Should I be taking the 3rd party insurance from the rental company?
The usual suggestion for folks who own cars (with personal car insurance policies) and who have credit cards which provide either primary or secondary about new zealand rental cars rental car insurance, is to decline the coverage provided by the rental about new zealand rental cars car agencies.  That s because about new zealand rental cars you are likely already covered for damage to the rental car via your credit card insurance, and for injury or death of another person or damage to others property  up to the limits of your personal about new zealand rental cars car insurance policy.
But declining rental car insurance when you have no personal car insurance policy about new zealand rental cars (or if your personal about new zealand rental cars policy doesn t cover rental about new zealand rental cars cars) makes you personally liable for damage to other vehicles, damage to other property, and bodily injury to others if you re the reason about new zealand rental cars for an accident.
This coverage covers you for damage to the rental car only and any loss of use charges (for example, the car couldn t be rented while it was in the shop getting fixed) incurred by the rental car company only .  It does NOT cover damage to other vehicles, injuries to persons in the rental car or other vehicle or other property damage (for example, if you drive into a wall).
This is often the most duplicated type of coverage because you usually get the benefits of CDW or LDW insurance when you rent using certain credit cards.   In some instances the coverage with a credit about new zealand rental cars card is primary, and in other instances it is secondary.
Note that there are often limitations on the value of the car and length of car rental when using CDW or LDW insurance about new zealand rental cars via a credit card.  These differences vary by state and credit card, so I can t list them all here.
Joey doesn t need to purchase CDW or LDW insurance if he pays for the full price of the rental car on his American Express Platinum card because the credit card provides secondary CDW or LDW insurance for 30 days (some countries are excluded so read the terms and conditions).
However, there will be additional coordination and paperwork if Joey has to file a claim through his credit card insurance versus if he had purchased the CDW or LDW insurance from the rental car agency.
I once banged into the fender of a parked car at a Hampton Inn in Minnesota seven years ago.  I left a note with my contact information on the other car, and my employer who was self-insured paid ~$700 to settle the claim for an extremely about new zealand rental cars minor dent that was virtually unnoticeable.  The point these things can cost lots of money!
Credit card insurance does NOT provide any liability insurance for damage to third parties.  And even the premium car rental insurance from American Express provides NO third party liability coverage.
However, if you have car insurance, the liability insurance coverage along with your deductibles and limits *may* carry over to when you rent a car.  But read your own car insurance policy carefully or ask your insurance agent to confirm if your personal car insurance policy will carry over to a car rental.
Again, NO credit card car rental insurance covers you for the most financially devastating type of liability if you get into a car accident which is usually the damage to other cars, persons, or property.
I try to save money where I can, but I ve always paid more to get a personal car insurance about new zealand rental cars policy with much higher limits than the state minimum requirement.  A serious car accident can be very costly!
Joey should purchase the optional supplemental insurance about new zealand rental cars from the car rental agency or look into getting a non-owners  car insurance policy which will cover him for liability towards others when he rents a car.
However, you *may* already be covered for the theft or damage to your personal property via your personal homeowners, rental, or umbrella insurance policies.  But read your policy carefully or ask your insurance agent for the specifics of what s covered, limits, and deductions.
Depending on the personal property which Joey travels with and the terms of his homeowners or rental insurance, he may want to consider personal property about new zealand rental cars insurance.  Or since the maximum out of pocket cost is not as high as going without personal liability or CDW insurance, he could make a calculated decision to not buy personal property insurance.
Bottom Line:  If you don t have a car insurance policy with 3rd party liability coverage which transfers about new zealand rental cars over to your car rental, you should consider a non-owners car insurance policy if you rent cars often or pay for personal liability insurance through the rental car company.
You and your readers should still be cautious about relying on a credit card benefit for the CDW coverage of a rental (if they don t have their own auto insurance that clearly covers that). If you get in an accident and damage the rental, that rental company won t hesitate a second to bill you for tens of thousands of dollars right away. Only after that will you have the chance to compel your credit card provider to cover these costs, but that itself could be a fight that takes time, and you possibly lose. Your reimbursement effort with the CC company could take more than a month, but in the meantime a $10,000 CC bill requires payment. And those CC rental insurance benefits often have detailed rules that restrict certain car models from coverage. You gotta read everything thoroughly before relying on this.
Another follow up: are there additional about new zealand rental cars issues when renting a car internationally? If I have car insurance does that usually cover injury to others in foreign countries? Or would buying the rental about new zealand rental cars insurance for injury be recommended when renting internationally?
I live in NYC don t have a car/insurance. I recently rented a car at Dollar in Montreal, used my AMEX Platinum and asked to add 3rd party liability. The guy at Dollar said that was not an option, only CDW, LDW, etc. I asked what would happen if I hit another car and he said (in a very unconvincing way) that in Canada every car is supposed to cover itself. I called Dollar s customer service line and they confirmed that liability insurance was not offered at that location but could not comment on whether I needed it or not shocking that they wouldn t have this info. Does anyone know if the guy at Dollar was correct?
Just a word of advice last year I rented a car from Avis using a free-day certificate. I had to make the reservation with a credit card, but there were no charges on it because the certificate even covered taxes/fees. I declined any additional insurance because my credit card covered me. I ended up bumping into a sign while pulling into a parking spot which resulted in $2,000 worth of damage to the car. For months I went back and forth with the credit about new zealand rental cars card company and they said because I didn t use my credit card to pay for the car I was not covered. I showed them proof that in the reservation I had put down my credit card number, but they required a billing statement about new zealand rental cars showing that Avis had billed the credit card company which never happened since it was a free rental.
I am not sure if it s all AMEX cards, but I suspect about new zealand rental cars so, that offer for a small fee full primary coverage, called Premium Insurance. This is something you have to buy For example, I have signed up my SPG card and for $17.50 per rental up to 30 days I am fully covered. This is great for long trips, particularly in foreign countries (though some countries about new zealand rental cars are not covered) as it is per rental rather than per day.
An example: last year I rented a car from a car rental company (which I won t name here, but it begins with A ) in South Africa about new zealand rental cars for just over 3 weeks, cost of insurance was $17.50 on my SPG card. I had lost a couple of hubcaps and, worst of all, after completing the damage form at the rental company when I returned the car they subsequently added some extra damage after I had left (this is a common thing in some countries happened in Costa Rica later in the year too, except this car company s name began with a B ). Of course their computers were not able to print my receipt and (as they well know) I had a plane to catch.
The end result was some large amount charged to my SPG card, but when I got home I completed about new zealand rental cars AMEX s insurance form and they immediately removed the contested amount from my credit card and I never heard another word about it nor did my regular auto insurance company.
Great question and well researched article! Thank you for all the time and effort about new zealand rental cars in writing such a concise, easy to understand, response. From a reader whose name I won't name here, but it begins with "K.
Very comprehensive article, Daraius. about new zealand rental cars A reader just emailed me yesterday and asked a very similar question. I answered with a disclaimer about checking with insurance agent, too, but have just pointed the reader to your post for more information. Thanks!
@n/a That s a good reminder to read the terms and conditions for the credit card LDW and CDW coverage for exclusions. And there is additional paperwork and coordination involved when you try to get reimbursed through the credit card insurance.
@Kay Check the documents you got initially with the card for a booklet which has the fine print about the terms and conditions of the insurance about new zealand rental cars with the credit cards. Or you may be able to call customer service and have them send you the terms and conditions again. You can either buy a non-owners car insurance polic