kim said:
That's he thread that prompted it as while covered it basically said nothing. I'm trying to decipher what credit card or whether one really needs to pay for liability insurance. Like Hertz, they cover it. So are other agencies by law covering it and then just charging?
I don't see what you are confused about.
Liability insurance isn't really "free" from Hertz, the cost is built into their rates and thus you wouldn't have to purchase additional "Liability" coverage if you rent from them. You'll also have the option to purchase the Collision Damage Waiver, for a fee, if you want collision coverage. If you use a credit card to pay for the rental your cc company may provide collision coverage for you. While most cc companies offer this benefit you should check with your cc company to be sure.
FYI - other car rental companies offer Liability insurance as an "option" for which you pay a daily fee. The car rental companies are under no obligation to have liability insurance on their vehicles and you are under no obligation to purchase it. If you decline the optional Liability you don't pay the fee but you WILL NOT have Liability coverage unless your personal auto insurance covers you (check with your personal insurance agent for details). Credit card companies DO NOT offer Liability insurance as a benefit.
So bottom line, if renting from Hertz you you will be covered for Liability. If renting from some other company and you want liability insurance you either have to purchase it from the car rental company or have it through your own personal insurance policy. Either way you'll be paying for it.
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