Just want to echo what others (@Himom) have said: It is extremely important to get liability coverage, which is not provided by credit cards, and is your real exposure when you rent a car. If you destroy the car your maximum exposre is what, $25k? $50k if it’s a fancy car. Your liability exposre is in the $millions.
We recently had a cracked windshield on a rental car. Our own car insurance is covering the damage under our comprehensive coverage, and I have submitted a claim to the credit card company to cover the $100 deductible,