That’s another problem. Because then when you go off somewhere and rent a car, you get gouged by paying for car rental supplemental collision insurance. You can’t waive it if you don’t have collision coverage on any of your cars.
Wrong-o.
I have liability only on my car (covers rentals as well) and I always waive supplemental collision. Credit card has collision damage coverage, and actually REQUIRES you to waive the rental company’s insurance.
BTW – not a single rental company has actually ever checked what coverage I have on my personal vehicle. Insurance companies are run by pigs and crooks. No way I’m paying a single cent more to them than I’m required to to protect myself from lawsuits. I’ve never paid more than a few thousand for a car, so cars can be replaced.
Last time, I had a car totaled, I simply went after the insurance of the teenage bint who was yappin’ on her cell phone and not paying attention to traffic lights. Or rather her daddy’s insurance. They ponied up for book value + rental reimbursement + 14 add’l days of rental within a few days. Book value, incidentally, was 2x what I had actually paid for the car! I told them that: they insisted in paying.
They took $250 off for scrap value, let me keep the car, and I sold it on Craigslist to someone who wanted to make a track car.
Guess they knew they couldn’t have won in court, and wanted to cut their losses.
