Related: 11 common rental car mistakes - and how to avoid them What's covered (and what's not) Second, if you don't own a car or carry a car insurance policy, most secondary insurance from credit cards will become primary. and your personal car insurance policy doesn't provide coverage, your credit card's insurance may become primary. First, if you're renting a car outside the U.S. Most secondary credit card car rental insurance policies automatically become primary insurance in two common scenarios. However, secondary insurance will reimburse you only for the amount not covered by other insurance policies.
Generally, primary insurance will reimburse you for the rental car's cash value or the cost to repair it - whichever is less. Secondary insurance would cover any expenses remaining to be paid, such as deductibles on those other VIA TWENTY20/GETTY IMAGESīoth types of insurance usually have maximum coverage amounts, so make sure these meet or exceed the total value of the car you're renting. Secondary insurance only kicks in after other types of insurance, such as travel insurance or your personal car insurance, have been used.
The car rental coverage available on select travel rewards cards can be a primary or secondary auto rental collision damage waiver. Related: Should I purchase rental car insurance for a rental car booking? Primary vs.
Any American Express card that's enrolled in American Express' Premium Car Rental Protection program. Capital One Venture X Rewards Credit Card. The following cards offer primary car rental insurance on most rentals: While understanding how many points or miles you might earn is important, we're focusing on something else: insurance protections that cover as many aspects of a rental as possible without surprise fees. The best credit cards for rental car insurance You also need to understand that this coverage doesn't provide other types of insurance, which we'll discuss below. That's bad news if you run into a problem, only to find out you don't have the protection you thought you had. If you don't follow these requirements, your credit card car rental insurance won't take effect. Terms and conditions vary, but they generally require you to pay for your rental car with the appropriate card (usually the whole bill, not just part of it) and to decline the insurance offered by the rental car company. You need two things - a credit card with car rental insurance and a rental car - but simply having them isn't sufficient. How does credit card rental insurance work? Today, I'll discuss the best options for car rental insurance from credit cards and answer some common questions regarding this benefit. This waiver can cover rental car accidents, theft or damage. In particular, some top rewards cards automatically offer a collision damage waiver when you pay for your car rental with your card. After all, some of the best travel rewards cards provide car rental insurance that may allow you to decline the rental company's collision damage waiver. Although buying rental car insurance might seem like a good idea, you might not need to. 
When you pick up a rental car, the rental agency may present you with a confusing list of car insurance add-ons and protections available for purchase. If you're looking to rent a car for an upcoming, you may be wondering how to get insurance on your rental - and hopefully without paying extra for that coverage.
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