So IIRC the rental car company is selling you a waiver of sorts that says they won’t come after you if you damage the car, not insurance per se. The car’s alway

So IIRC the rental car company is selling you a waiver of sorts that says they won’t come after you if you damage the car, not insurance per se. The car’s always insured. A credit card company is probably a more unattractive target than an individual.