The CSR has primary insurance for the rental vehicle itself only . It does not have ANY insurance for the occupants , or other property . In the event of a collision where you have responsibility , Chase will only cover damage to your rental car . It will not cover anyone ' s medical bills , damage done to other vehicles or to property . Calling the CSR coverage primary auto insurance or similar is not at all true . It ' s not clear if this is what the guy meant . You should absolutely decline any CDWLDW coverage . but you may want to buy additional liability insurance . The National Car Rental page covers what this is ~ whatislossdamagewaiverldw % 3 FThat ' s what the CSR provides you . This is the liability insurance , which the CSR does NOT cover ~ w h a t i s s u p p l e m e ntalliabilityinsurancesli % 3 FYou may want the liability insurance . If you have no personal auto insurance , you quite likely do you ' re otherwise driving around with the minimum required by law . If you do have personal auto insurance , ask them what your coverage is for rental cars . and keep in mind that additional drivers are a separate story .