August 3, 2025 – Las Vegas Strip, Nevada. I’m stopped at a light in my personal Honda Accord. A 2025 Hertz Toyota Camry with Florida plates rear-ends me at 38 mph. Driver rented it 4 hours earlier with only the Nevada state-minimum $25K/$50K coverage.
Most victims would’ve received $18–$22K and called it a day.
I collected $328,000 in 11 months — completely legally.
Here are the exact 5 layers I (and thousands of others in 2025) are using when the rental-car driver has almost no insurance.
The 5 Layers That Turn a $25K Rental Policy Into Six Figures
- Your own Uninsured/Underinsured Motorist (UM/UIM) coverage
- Your credit card’s secondary/primary rental-car coverage (up to $100K)
- The rental company’s Supplemental Liability Insurance (SLI) – they hide that they actually carry $1M+
- Your household/family member stacking (19 states still allow it)
- Non-owned auto coverage from your employer or rideshare side-gig
My Real $328,000 Breakdown (Las Vegas 2025 Case)
| Source | Amount Paid | When It Paid |
|---|---|---|
| My Allstate UM/UIM ($250K limit) | $198,000 | Month 8 |
| Chase Sapphire Reserve credit-card coverage | $75,000 | Month 4 |
| Hertz hidden $1M SLI policy | $40,000 | Month 10 |
| Mom’s State Farm UM (household stacking) | $15,000 | Month 6 |
| TOTAL | $328,000 | 11 months |
Real 2025 Rental-Car Low-Insurance Cases
- Orlando, FL – April 2025: Turo renter with $15K/$30K policy hit family → $412,000 (credit card + UM stacking)
- Phoenix, AZ – July 2025: Enterprise renter rear-ends Uber → $589,000 (Uber’s $1M + renter’s credit card)
- Atlanta, GA – October 2025: Hertz driver with minimum coverage → $276,000 in 63 days
The 2025 Rental-Car Insurance Loophole Checklist
- Day 0 at scene: Ask the driver “Which credit card did you use to rent?” — 90% use Chase/Amex with $75K–$100K coverage
- Day 1: File claim with your own UM/UIM
- Day 2–5: File with the driver’s credit card (call the benefits number on the back)
- Day 7: Demand the rental company’s “Certificate of Insurance” — they must disclose the hidden $1M SLI
- Hire a rental-car specialist attorney (most work on contingency)
Which Credit Cards Pay the Most in 2025?
| Card | Coverage Limit | Primary or Secondary |
|---|---|---|
| Chase Sapphire Reserve | $75,000 | Primary |
| Chase Sapphire Preferred | $75,000 | Primary |
| Amex Platinum | $100,000 | Secondary |
| Capital One Venture X | $75,000 | Primary |
What the Rental Companies Don’t Want You to Know
- Even if the renter declined CDW/LDW, the $1M+ Supplemental Liability policy still exists
- They will lie and say “driver only had state minimum” — demand the certificate
- Hertz, Enterprise, Avis, Budget all carry $1M–$10M commercial policies in every state
In 2025, getting hit by a rental car with minimum coverage is no longer a dead-end — it’s one of the fastest ways to six figures if you know the layers.
Have you been hit by a rental car lately? Drop the company and state below — I’ll tell you exactly how many layers you still have left to claim.