Should I get rental car insurance for a cross-country trip if I don't have personal car insurance?

I'm moving from New York to California. I don't have a car. To make the move easier, I've rented a minivan. The rental insurance is expensive, about $250, but I also have a collision damage waiver through my credit card. Should I opt for additional coverage if I don't have personal auto insurance?

May 04, 2021
Answer provided by
Eric Schad
Answered at May 04, 2021
“Yes, you should unequivocally take out every insurance option offered by the rental car company minus the collision damage waiver you have on your credit card.
Keep in mind that a collision damage waiver is just that—it only covers a collision if someone hits you or if a thief swipes your vehicle. It doesn’t cover basic liability such as property damage or bodily injury suffered by others.
While $250 may seem steep, you’ll be driving through unknown territory, meaning the chances of getting into an accident will be higher. To put this in perspective, just think about it like this: would you pay $250 for car insurance if it might end up saving you $50,000?”
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