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Should I buy supplemental liability insurance on a rental car for my trip to Tennessee?

I'm visiting Tennessee for a few days and I want to rent a car. My credit card offers a collision damage waiver, so I'm declining that insurance. But do I still need to get supplemental liability insurance?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The answer lies in whether you have your own
liability insurance
. If you don’t, you’ll definitely want to get the supplemental liability insurance for your trip to Tennessee.
Just make sure to ask how much coverage the rental car company’s liability insurance offers. If possible, get as much coverage as you can, as they may just offer the state-minimum insurance if you don’t ask.”
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