This is the theme of our discussion on the third issue of the US Car Rental Strategy: Discussing what people need to buy according to their own circumstances:
1. There is no insurance for yourself. For insurance reasons, buy a full coverage at the dealership. If you are confident that you don’t have an accident, you can just buy LIS (some state laws stipulate that LIS is included in the rental agreement. You can buy it without additional purchases, but there are limits to the amount of insurance, etc. Please check before you rent a car).
2. You have a credit card with LDW/CDW, but you don't have your own insurance. You don't need to buy LDW/CDW at the dealership, because whether your card provides primary or secondary/supplemental insurance, the credit card company is the One to pay people. In addition, you still need to purchase LIS.
3. If you have your own car insurance, semi-guarantee, you do not need to buy LIS separately in the car (the vast majority of insurance company's LIS applies to car rental, for some small insurance companies, it is recommended to call before car rental). However, some people will consider that if they did not buy a car dealer’s LIS, they would accidentally pay for their own insurance company and would later increase their insurance premiums. Therefore, they still bought the dealer’s LIS so that they would not need their own insurance company to pay.
4. If your own auto insurance is a full insurance, please refer to Article 3 above for the LIS. If the full warranty of the collision and comprehensive parts do not apply to the rental car (please consult the insurance company first), please refer to the second article above; if applicable to the car rental, the LDW/CDW situation is more complicated: if you have American Express credit card, car rental It will automatically deduct the corresponding fee, because the insurance is primary, so the accident is the first payment of American Express, does not involve your insurance company; if you are other company's credit card, insurance is secondary/supplemental, then after the accident Your own insurance company pays the first compensation, and the excess is issued by the credit card company.
5. Regarding PAI, please check whether your Health Insurance policy contains accidents that occur when you go out and play.
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