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Primary coverage is better, but few cards offer it.
After an accident, primary coverage pays first, allowing you to bypass your personal auto insurance.
Credit card coverage mostly applies to what’s called a collision damage waiver or loss damage waiver, typically the most expensive coverage offered at the rental counter.
Cards also usually include some coverage for towing expenses and administrative fees.
Also usually not covered is loss or theft of personal belongings inside the car, but that is often already covered by homeowners or renters insurance.
Credit card coverage also doesn’t include ambulance or medical bills following a crash, but your personal health and auto insurance policies probably do, according to the insurance institute.
You might recall that your credit card provides some type of free protection for rental cars. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. At Nerd Wallet, we thoroughly research financial products and companies, and adhere to strict standards of editorial integrity to find you the best choices. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. " With so many websites offering free financial tools, it can be hard to know whom to trust.Typically, you must pay for the rental with the credit card that includes the benefit, and you must decline the rental car company’s collision coverage.The driver at the time of the accident must be listed on the rental agreement.
That means you can avoid paying a deductible and potentially seeing your premiums rise.