Just got the CSR card and love all the great benefits. While there are many, one that I was particularly looking at with an upcoming trip is rental car insurance protection. A quick read suggested you're covered up to $75k of collision/theft but didn't seem to cover liability if anyone got hurt (if I read it correctly).
-Do most people decline the additional coverage?
-If you do get into an accident and there is injury/liability, is it typically covered by your auto policy? What about umbrella insurance?
I'm just trying to make sure that I am appropriately covered in the event of an (very unlikely) scenario where I get in a major accident driving a rental car and there are injuries to other parties.