Has anyone used an outside insurance for a rental car? My credit card and auto insurance cover a rental, but here's the deal. My buddy was in LV for Super Bowl and was rear ended (the car not him) not his fault and had declined the rental insurance. His car insurance covered him for a rental, but the rental place is charging him loss of time for the car. It has been a cluster F for him. insuremyrentalcar.com will do a policy for our 6 day rental for $39, compared to $24 a day at the rental counter. I think I am going to do it, just for piece of mind.