Do I have Third Party Insurance through my car rental agency in Canada?

Question

I recently rented a car through National car rental. At the time i declined the coverages they give you because I am using my VISA card. But now I am wondering what about Third Part Coverage? I checked the paper that i signed and Third Party insurance is not even offered in canada. I called up the agency and they said that the rental company has Third Party Insurance and that I don't need it. If you check the websites (Canada) you will notice that 3rd Party is not offered in Canada. anyone know where I stand? Do I need to still get more insurance? What if I injure someone, does the agency insurance cover that?

Answer 1

Third party is when someone sues you, if you hit them.

That visa coverage, covers the car your driving.  

The third party coverage for the rental company, usually covers the rental company.

If you hit someone, and they sue you for damages, I think you stand screwed.  

Talk to the agent that writes YOUR POLICY.  Your auto policy, for your regular use auto.  An "agency" doesn't cover anything.