we have 2.2003 cars and they are both financed through banks. My Husband was in a auto accident yesterday, And my insurance company told me that I do not carry collision on my policy. What do I do??????

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I recently got Auto insurance thru Progressive on March 23. And They were supposed to withdraw the money directly from the bank according to the agent. I already have my insurance card saying I have it for 6 months starting from March 23 to September 23. But they have not taken any money at all. And I haven’t gotten any notices about not them not getting any payments.

Has anyone else had trouble with progressive Insurance?

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I need to renew my auto insurance,
witch auto insurance co. are good or bad and why.

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I have the optional coverage added to my Bank of Montreal MasterCard for car rentals. Full details can be found here.

http://www3.bmo.com/mosaik_images/silver_travelprotection_en.pdf

It says I must decline the Collision Damage Waiver or Loss Damage Waiver from the Car Rental company. When I ask the car rental agencies for a breakdown of their insurance I never get a straight answer.

In summary the benefits are:

Coverage Benefits
Subject to the terms and conditions, You are covered for:
1. damage to the Rental Car; and
2. theft of the Rental Car or any of its respective parts or accessories; and
3. rental agency charges for valid loss-of-use while the Rental Car is being repaired; and
4. reasonable and customary charges for towing the Rental Car to the nearest available facility.

This coverage does not provide any form of third party automobile, property damage or personal injury liability insurance.

What exactly does the last line mean? "coverage does not provide any form of third party automobile, property damage or personal
injury liability insurance."

One person at a car rental company said that the rental company covers everyone for third party damage and liability under their own insurance and the extra insurace is not neccessary as BOM would cover the rental car. When I researched it online, it seems many people think their own car insurance covers them. Is this true? I do not own a car and do not have regular auto coverage. I plan on a renting a lot of cars in the next 6 months and the savings could be significant if I go without the rental agency coverage. But I’m uncertain if I would be responsible for third party damage/liability if I decline the coverage.

Can someone help clarify this for me?