Ok, I've been waiting to post this until after I safely returned the car. I rented a car and declined any insurance, relying on the CSR primary coverage. But I don't own a car and don't have auto insurance. The CSR coverage only covers the rental and doesn't cover personal belongings or personal injury. If I caused an accident, I believe I would have been an uninsured driver and not had coverage for the accident. Have I been over-relying on the CSR coverage?

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You answered your own question. CSR only covers insurance for the rental car.

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Your own insurance (non-existent for you) covers personal injury. Your rental insurance covers property damage.

If you hit someone else you’re super screwed. If you only damage your car/yourself, you’re covered.

All rentals come with state mandated minimum coverage, including for additional liability. If you don't purchase ALI, then you'll be liable anything above the coverage your rental company has (again state min)

I don’t own a car, and I always get the extra liability when I rent. I decline collisions coverage because my credit card covers it, but that’s no help if you’re in an accident and someone sues you for medical expenses. You could be paying it off for years.

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