By: george

If you are a resident of Minnesota, Rhode Island, North Dakota, and possibly NY or TX, beware of relying on credit card insurance instead of damage waiver. These states treat rental car claims as a liability claim, usually with no deductible. Therefore, the credit card coverage is worth nothing. You are going to have to report to your primary carrier
and be prepared for premiums to go up. Better to elect rental car company’s damage waiver.