National rental car insurance at MCO?

[riu girl]

I have posted this on the transportation board but I am hoping a Canadian who understands Canadian auto insurance policies, or someone who understands rental insurance in the US may be able to comment:

We have a great rate for a 15 day National EA rental (229 inclusive).
BUT this price is without optional insurance (then it goes to over $400).

Between using our platnium cc (through Masterassist) for the rental and our own vehicle insurance (we pay an extra $50/year on our policy to cover rental vehicles) we have the equivalent to the LDW, PAI and PEC insurance that National offers.

But we have been told my cc company (Masterassist) and our own insurance company that we can only get SLI (supplemental liability insurance ) through National ($12/day), since liability insurance is only available through the owner of the said vehicle (National).

My question:
1. Can I purchase SLI through national without purchasing their LDW? Their fine print is vague and I don't understand it. If I get in an accident in FL I don't want to be told that the SLI I purchased is no good, since I didn't purchase Nationals LDW.

fine print I don't understand:
"SLI is an optional insurance protection. If SLI is selected and paid for, National provides you (renter) with 3rd party liability protection in an amount equal to the minimum financial responsibility limites applicable to the vehicle(the primary protection).
SLI also provides third party liability protection, through an excess liability policy, with limits of the difference between the primary protection and a combined single limit of $1 million per accident etc etc.

Primary protection is mentioned in the SLI fine print and that is what I'm confused about. I won't have primary protection (is this LDW) through National so will the SLI be any good if I need it??????????

I just am worried about being in an accident (my fault) and damaging someone elses vehicle or someone else. You need liability insurance for it. WIthout it, I would be totally liable. I have not read anything about SLI on DIS. I can't imagine people renting a vehicel at MCO without 3rd party liability?

Any info. would be greatly appreciated.
Thank you
Suzy V

 

[Pokemom]

We have the rider on our insurance to cover rental cars and it has always included liability insurance. They have always told us that it has the same coverage as our own car. I would double check with your insurance company.

 

[runner26.2]

Call your insurance broker and ask what coverage your own auto insurance provides if you have an at fault collision driving a rental vehicle. Everybody's insurance can be different, depending on the coverages you select. My own insurance covers me exactly the same whether I'm driving my car or a rental. Nobody but your broker can probably tell you that about your policy.