only time I bought any insurance- when my car was in the body shop, and insurance is paying for the rental, the credit card wont cover cdw, since you are not paying. your own insurance would cover it if you have collision, but to me is was worth it, since the rental agency (enterprise) is very picky and could charge for every little thing. On my own car if it was a small thing i would just leave it. Never paid for liabilty except in TLV