we usually dont buy, except for short trip and bad weather

or one day rental on Caribbean islands.

Basically it is because the absolute $ involved is not a whole lot, to buy a peace of mind.

Like I mentioned, search my ID you would find my post regarding our experience with the CC coverage on our Dec 2005 Yellowstone trip. I would pay the $80 to buy the insurance had we thought about the possibility of hailstorm - at the end we paid $320 and MC paid $2282 for the damage sustained, but that was after lots of hassles, follow-ups, and headaches.

Suggest to those who haven't read it to find it and read it - it would serve as a guide should you unlucky enough have to invoke CC coverage in the future.