这种事信用卡公司会去和租车公司核对的。现在能有用的法子是楼主施展个人魅力。。。

看看这个。

“All four major networks require cardholders to charge their entire rental car purchase on their credit card and decline supplemental insurance/Collision Damage Waivers offered by their rental company in order to be eligible for coverage.

随便google来的。免得说是常识， 又被说太绝对。

http://www.cardhub.com/edu/rental-car-insurance-credit-card-study/