If you have "full coverage" (comprehensive and collision) on your own car, it usually extends to your rental vehicle for personal use in the U.S. and Canada.
Covers damage to the rental car itself.
If you want a "walk away" experience with zero deductible , the rental company's waiver is the easiest way to avoid a headache. Summary of Rental Counter Options do i need to buy rental car insurance
Most other cards only cover what your personal insurance won't (like your deductible).
pay out first, so you don't have to involve your personal insurer. If you have "full coverage" (comprehensive and collision)
You must pay for the entire rental with that card and decline the rental company’s CDW for the benefit to work. 3. When You SHOULD Buy the Insurance
Your personal policy might not cover cars rented for work purposes. If you want a "walk away" experience with
Increases your protection against lawsuits or damage to others.