Do I need to buy extra rental insurance if I have a Capital One credit card that offers auto coverage?

Every time I rent a car, the salesperson pressures me to buy the insurance from them. I have a Capital One Venture card. Doesn’t this cover me? Why would I pay for extra insurance?

“The rental car insurance offered by the rental car company isn’t really insurance at all. What they offer you is a waiver. If you pay for this waiver, the rental company waives its right to pursue you or your insurance company for damages.
The coverage offered by most credit cards varies, but it generally only covers damage to the rental car. This rental car insurance is usually secondary to your own auto insurance policy, and it does not afford any liability coverage or personal injury protection. This should be the case with the Venture card, but confirm this with Capital One.
Before you rent a car, contact your insurance company and your credit card company to determine what they each cover. If you do not have car insurance, you will not have coverage for liability or for your own injuries.”
Shannon Martin
Answered on May 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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