Now I know there are various threads on the hazards of rental car insurance in the US (which I have looked at!) but if someone could put my mind at rest by telling me whether I've got the right end of the stick that would be much appreciated!
We are coming to the US on 18 April and spending 3 weeks driving around California, Arizona and Nevada. We are planning to rent and drop off the car at LAX. Anyway- this is how we see the insurance situation:
1. Our travel insurance covers us to drive any vehicle for which we are licensed to drive in the UK and gives us medical and legal expenses coverage if we suffer injury, but importantly not liability insurance.
2. Therefore we think we need
(a) Supplemental Liability Insurance which should cover us if we hit someone and cause damage/injury (the rental companies we have looked at eg Budget include this and the coverage is 1 million dollars); and
(b) Collision Damage Waiver in case we damage OUR rental car or it is stolen which means that we don't have any liability (providing there is no excess with whichever rental company we go with).
We have been looking at Budget rental company and the SLI and CDW is included (which seems like a good deal). Can someone tell us if this is all we need to have piece of mind that we will be covered in the event of an accident? Please note that we do NOT have vehicle insurance in the UK (as neither of us currently has a car) and our UK credit cards don't seem to offer any coverage as in the US.
Thanks very much