<prompt> Human: This is a clusterfuck and I really need help. Its going to be a pretty detailed post but I need it to be since a lot of stuff has been inconsistent.I am currently visiting the US and am planned to leave in about two weeks. More than a month ago I rented a car with Enterprise and used my US credit card to pay for it. I was asked if I had insurance here in the US, which I obviously dont, but the person who attended me there didnt offer me to add an insurance to the contract. At the time I wasnt aware I needed oneThe car was rented in Charleston SC, and while traveling to Washington DC I was involved in a car accident in a highway in Virginia. Basically a car merged negligently to the highway, and it caused me to crash a truck that was passing by. Both drivers were ticketed since one caused the accident and the other one a truck was driving in a lane he wasnt supposed to. I told the state trooper I didnt have any money to pay for the damages and he repeated several times that the accident wasnt my fault and that everything would be covered by the person who caused it lets call him person 1. I wasnt ticketed.All good. After the accident person 1s insurance company truck towed the car and took it somewhere unknown to me, while I was left at an enterprise branch that was nearby. The person who attended me there asked me if I had insurance to which I answered no, and it seemed strange to her that they let me rent the car without one. In any case, after a lot of fiddling around she got me another car and said that we shouldnt worry about anything and that we wouldnt have to pay. She took the rental car contract and never returned it.I return the car, I pay for the amount agreed upon when renting it, and all is supposed to be fine. Two weeks later Im charged 250 to my credit card, then soon after Enterprise calls me asking for basic information about the accident. When given the information they say its all they needed and that I shouldnt worry.Now three days ago I get a Final Notice saying that I have to pay about 9000 in damages, towing, etc. Which is outrageous.For what I could find out I was charged a deductible as if I had an insurance but it was the bare minimum, the 250 I mentioned earlier. I was always told that I shouldnt worry or I shouldnt pay anything and then they suddenly say I have to pay or I will be sent to collections in 10 days.I still have to contact the Damage Recovery Unit to see if they can sort this out, but what I see is a lot of misinformation and inconsistency by enterprise. I know one of my options is to use Bank of Americas my cc rental car insurance, but I want to leave that as a last resort.What should I do? How can I do to protect myself and what are my choices? I need to have backup plans.Thanks!  <response>: Check with your credit card to see if it offers rental car insurance. Some credit cards offer it.Ive used my credit card rental car insurance before when someone hit the car while it was parked and I did not have to pay anything. 