Good info, sounds like a good card to have. I assume you declined the rentL company offered coverages? Did you also decline the liability? No company has confirmed to me at rental that liability is required to be paid by the rentL company but im usually in a hurry to quibble too long over what Ive heard to be true.

Having had a fender bender 18 months ago after paying for coverage for the first. This recent trip I paid again about $14/day for damage/liabilty. Pretty much doubled the price quoted which was cheap.