Ensuring I dot my i's and cross my t's WRT to proper insurance coverage while in Europe. My partner and I will be driving and personal insurance is only valid in NA, which leaves us with these two things:
CC Coverage
Includes: The Policy only covers loss or damage to a rental vehicle. Decline the rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW), or similar provision.
NOT included: This coverage does not provide any form of third party automobile property damage or personal injury liability insurance; Third party liability (injury to anyone or anything inside or outside the vehicle).
Sixt Coverage:
Includes: the Client and any Authorised Driver are therefore guaranteed against the financial consequences of their civil liability for bodily injury or material damage caused to third parties (including passengers of the vehicle) for any incident that the rented vehicle is involved in.
NOT included: The Client or any Authorised Driver, in the position of driver at the time of the accident, is not covered by this insurance. Damages suffered by the vehicle are also not covered by the compulsory third party insurance.
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Now if I'm interpretting this all correctly, the CC will cover damage/total loss of the car itself. The Sixt coverage will cover damage to other people's medical costs and their car repairs if we're at fault. We will have traveller's insurance through my partner's work insurance, plus the CC coverage, to cover our own medical costs if needed.
Is that how you'd interpret this? All the other bullshit stuff like roadside service and glass I'm not worried about.