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I just got back from LA and I know for sure my personal insurance doesn't cover rentals specifically. I rented with my Amex to use that insurance and had no issues with them accepting that.

I went with SiXT as I needed a 7 seater and the big rental companies were really expensive (like over $100 a day). They weren't as cheap as some of the smallest ones like Fox but had better reviews than the small ones and they had quick pickup (i.e. not having to go to a desk and wait in line). Must say I was actually pretty impressed with them.. shuttle from LAX was fast, their facility was nice and very easy. Didn't include the on board GPS (boo!) but it had Apple Carplay so didn't matter. I probably spent longer in the vehicle pairing Apple Carplay and setting my seats/mirrors and finding somewhere to get lunch than I did picking it up or dropping it off. They had really good details on finding the shuttle at the airport, pictures of where to go and everything, very nice.

My only thing is they tried to say there was some minor new damage, but it looked to me like it was already defined on their system (and they had a very detailed system with notes for every scratch and scuff, pretty nice in itself), but when I tried to pull it up on a picture she said "oh it must be this one on the system then" pointing at one circled area in the system, didn't even bother to look at my pictures. So not sure if that was just uncertainty on the person checking it, or if it's something they try to pull every time. Hopefully not.

tl'dr: TAKE PICTURES of everything when you pick it up before you even get in.