my best wish wrote:Most credit cards that I have in my wallet will cover either twenty five or fifty thousand for an accident, max. That is an unreasonably low amount. What if both cars were totaled and you were at fault?
First off, the coverage on all credit cards is secondary coverage. It only kicks in after your own car insurance.
If your car insurance does not cover an accident or if you have no insurance then the cc coverage will take effect.
You should also realize that the insurance offered by the credit card is usually NOT liability coverage. It does not cover damage you cause. It only covers damage to the rental car.
If you are renting a luxury car then I hope you are not such an idiot that you do not carry good liability coverage on your own car AND a personal umbrella policy. A million dollars in personal liability protection for everything you do will cost you about the same for the year as renting that caddy for a day! Don't be an idiot and think the coverage from your credit card is going to protect you in anything but a minor scrape or ding from a door in a parking lot.