Hi there. I just checked on all of this. I live in Canada. My own car insurance does not cover me either. What you do,,,is check with one of your visa's, mastercards, etc. Some have protection for this. I used my capitol one mastercard. They told me to decline the CDW at car rental place, but to absolutley pay the liability price per day. I have done this in the past. One time, someone smashed the hood of a suv we had rented,,,not bad, but nonetheless the car rental place wanted it fixed, rightly so. We had no idea who did it,,prob in a parking lot. No problem, as I had rented the vehicle on my mastercard capitol one,,,all was good. Car rental company deals with mastercard.
I will advise that you call whatever credit card company that you are using, just to confirm that you have the coverage.
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