From Fortune:



Travelers often have the option to purchase insurance policies from rental car companies, which can quickly increase the cost of the rental. An alternative to reduce expenses is to utilize credit card rental car insurance benefits. This is a common benefit of travel credit cards, which applies when paying in full for a rental car using an eligible credit card. However, for the benefits to apply, the renter must decline the rental car company’s collision damage waiver. There are two primary forms of credit card rental car insurance – primary and secondary. Primary coverage applies first during a claim without involving personal auto insurance, while secondary coverage requires utilizing personal auto insurance first. Credit card rental coverage protects against theft or damage to the rental car, loss of use, and other out-of-pocket expenses. However, it does not cover injury to others, damage to other cars and property, theft of personal property, and specific types of vehicles. The coverage duration and limits vary depending on the credit card and issuer, and it may not work in all countries. The primary renter and authorized drivers are covered, but it is essential to file a claim with the credit card company in case of an incident. It is important to review the specific details of the coverage of the credit card and submit the required information promptly in case of a claim.



Original: How credit card rental car insurance saves money on every rental