Can I refuse the rental insurance?

Yes, if your personal car insurance or credit card covers rentals. Check before you decline.

  • Credit cards: Visa Infinite, Chase Sapphire, Amex Premium offer primary coverage

  • Personal auto insurance: usually transfers to rentals (but not liability in some states)

  • Decline at counter: agent may pressure you, just say "I have coverage" firmly

  • Without any coverage: one accident can cost $10,000+ do not decline

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