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I am in California which does not offer supplemental insurance, so I am making an educated guess.

I would say it's secondary to your regular insurance, and would cover your decutable/and or cover what your insurance does not carry, as long as the renter was not neglent and did not violate the rental agreement. Usually offers like this has a max of the amount they would cover upto... This would vary from state to state.

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Q: What are the benefits of accepting supplemental liability protection for a rental car - can you give an example?
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