More rental car insurance confusion. I live in NYC so have no car/no insurance. I can't tell if I need to buy what the rental car company is selling.
I'm renting a car for five days in Georgia this week. I got the car through Orbitz--the rental car agency is Hertz.
This previous question
indicates that I need to purchase additional insurance, since the insurance my credit card provides is not liability. But this previous question
indicates that Hertz DOES provide primary liability insurance up to a state's limit (which in Georgia appears to be 25/50/25
Hertz's website says this: On all rentals commencing in the state of Georgia, Hertz will provide secondary liability protection. The renters personal/business insurance is used to its limits. In the event of no applicable liability protection, Hertz, by default, becomes primary. Hertz will become primary if the Liability Insurance Supplement - LIS - is purchased. LIS is available at USD 12.95 per each full or partial day of rental.
I take that to read that they provide it at no cost--but you can purchase it to make their insurance, not yours, the primary. And if you don't have insurance, it's provided automatically.
But calling the location itself to verify that was not helpful, as the girl on the phone simply said, "If you don't have insurance already, you need to buy it." I'll be calling their corporate line as well, but it certainly appears that if I'm happy with the 25/50/25 coverage they're required to offer, I don't in fact need to purchase any insurance through them.
However, I haven't dealt with car insurance in about seven years and all this back-and-forth has me questioning reality in general. Am I reading this right? If you were in my shoes, would you pay for insurance through Hertz? (It's not a huge amount but I really don't want to pay for something they'd be providing me with anyway.)
Bonus question: either way, does that insurance cover me and a secondary driver (assuming I list that second drive with Hertz), or just me?