I am visiting England soon and renting a car. I'm very confused as to car insurance while vacationing. I live in the United States and have car insurance and credit cards.
I am covered for "Collision and Theft" through my credit card company (Amazon Rewards Visa) as long as I decline the car rental company (Avis) insurance. However, I'm don't know whether I'm covered for liability, and if so, by whom?
I called my car insurance (State Farm) and was told the coverage is only for the U.S., Canada, and 500 miles inside Mexico. In the U.S., we typically have liability insurance and collision insurance. To my understanding, liability covers damage to humans and other cars and property whereas collision insurance covers damage to ones own car. But perhaps these terms don't apply in other countries and I'm fine. I just want to be sure I'm covered. There is insurance through Avis available for $20/day which is quite a bit.
Can someone set me straight? Thanks.