E3only

ALL,

We soon fly into San Diego and make our way up to LA and then SF by road. We will be renting a car and I need some help with insurance. Now I know, this may have been discussed on the forum and I have been through the search engine but most of the posters are either from UK heading to US or visa versa.

Blame it on my impatience, I thought I rather ask & as such insurance is something I dont want to rely on forum discussions from months ago - just in case if anything has changed.

So from what I know - we have 3 types of insurances.

LDW - Loss Damage Waiver. This covers you for damage or theft of the vehicle.

LIS - Liability Insurance Supplement.

PAI - Personnal Accident insurance/Personnal Effect Coverage. Covers accidental death or medical expenses for anyone in the car. Also covers personnal belongings.

I am not worried about PAI - as I already ahve travel insurance via my credit card (AmEx).

On LDW - it's about 10$ a month so I will add that on.

What I am worried about is the personal liability/property insurance. This is something I want to add on and I need help with getting the cheapest & decent cover.

I also read about the AmEx card ~20$ flat LDW but it's unclear to me if that is for american residents only (I am from Australia and I will be calling the guys here).

COuld you guys let me know how to best organize it all?

Thanks in advance.

ian-mstm

No such thing as "cheap" and "decent". Don't skimp... the US fosters a chronic, litigious society. It's a rental... get the full coverage - and if there's a wreck you can just walk away and wash your hands of it. I wouldn't get less than $2 million liability coverage.

Ian

md95065

Are you sure that the LDW is $10 a month?

That is unbelievably low - $10 per day would be more like what most companies charge.

E3only

Shoot - yes it indeed is 9$ a day...that said my questions is around the American Express (https://www152.americanexpress.com/p...do?source=OPEN) & also if anyone does know how much is comprehensive insurance a day?

Ian - thanks for your input, understood.

Jerseygirl

I use the AMEX insurance...then you have no additional insurance fees to pay the rental car company. Someone started a thread about it a few months ago.

Edit: Here's the thread.

E3only

I have been through the thread when I initially did my search.

Called AmEx and a AU issued card does not come with rental car insurance so it now comes down to taking up the LDW + Property/third liability insurance.