I like the 'cancel the credit card bit' seems like a great idea.
Are you suggesting that all the insurance offered by USA rental car mobs is a ripoff and not worth taking?
You can't just cancel the credit card, they will send you bills and eventually debt collectors after you etc etcYOU MUST TAKE ALL INSURANCE OPTIONS WHEN RENTING IN THE USA
and these are the ones from the rental car company.
You used to be able to choose not to, but many idiots did and then racked up debts of hundreds of thousands of $$$ because you are liable for EVERYTHING if you have no insurance.
There was a time when people went around ramming the back of rental cars causing accidents to claim compensation as well.Again, as I said, you can't DE-select insurance as an Australian renting a vehicle in the USA at least with the major companies. Dunno about the shit kicker operators.
From hertz.com - Under insurance, if you find a way to avoid the insurance which would be by using the hertz.com USA website and and not the aussie one...
In the event of any other loss or damage to the car, regardless of fault, your financial responsibility extends to the full value of the car at the time of rental, less its salvage value, plus expenses for towing, storage impound fees, an administrative fee and a reasonable charge for loss of use.
Write off the car ? $40k + lost revenue + admin fees and you'll be up for $60k +
Then of course the costs to the other car etc etc
You also won't likely fund an insurance option that will cover you for $100k++++ of damage and up to $2 Million of liablity etc
Any 3rd party rental car insurance will normally only cover up to $5000 (the excess in some countries, Australia for example with Hertz) or $70,000 of damage anyways so you are still stuffed
In Australia the insurance with all rental companies is a joke and I never take it, as my credit card covers me to $5000 and the max I would be liable for with any vehicle is $5500 anyways