Originally Posted by gosmsgo
Im not trying to lie to anyone. That is the way I understand it from what I have read and what the person I talked to from Chase (our credit card company) told me.
I HOPE I am wrong because that would save me a couple hundred dollars.
Don't listen to anyone you talk to at the credit card company. 99% of them are massive idiots. Dig out your original credit card agreement (along with any amendments they may have sent you over the years) and read it. If you don't have it then call the credit card company, ask them to send you another copy of the agreement, and pray that they send you the right one.
If your particular credit card doesn't cover you (an otherwise uninsured driver) for collision then get another credit card. Most, if not all, credit cards offering rental coverage cover uninsured drivers for collision.
...Then there is the issue of liability insurance. What state do you live in? New York apparently requires the legal amount of liability insurance to always be included in the rental price of the car (regardless of whether or not you have your own coverage):
http://www.oag.state.ny.us/consumer/...to_rental.html. I'm not sure about my own state (Maryland) and I haven't been able to find a comprehensive source for this information on all states.