<prompt> Human: Hi, I am extremely confused about this car rental insurance deal. People tell me my own car insurance covers any rental and that my credit card will also cover if something were to happen. However, I have heard of horror stories where people have had to pay upfront for damages and then get stuck in several-months long battle with their personal insurance companies to get reimbursed. Is it greater peace of mind in just paying the extra 20 per day and get the extra insurance? P.S. - Im from NYC. I am going to be renting in Puerto Rico. So technically still in the US.  <response>: People tell me my own car insurance covers any rental and that my credit card will also cover if something were to happen.That depends on your car insurance policy, and the benefits that your credit cards have. Its not a guaranteed thing. 