Credit Cards That Cover Rental Car Insurance | Flipboard

Have you ever wondered if your credit card offers rental car insurance coverage? Well, you’re not alone! A recent article on Flipboard caught my attention as it delves into the world of credit cards that provide rental car insurance. It’s a handy guide for anyone planning to rent a car in the near future.

The article explains that many credit cards, particularly those with travel perks, offer rental car insurance as a complimentary benefit. This can potentially save you money and give you peace of mind during your travels. However, it’s important to understand the details and limitations of this coverage.

One of the main points highlighted in the article is that the level of coverage varies depending on the credit card. Some cards may offer primary coverage, which means that the insurance kicks in before your personal insurance, and others may offer secondary coverage, which acts as a supplement to your existing insurance. Additionally, the coverage may vary in terms of the types of vehicles covered, the maximum coverage limits, and the duration of coverage.

It is crucial to note that certain requirements usually need to be met to activate the rental car insurance. For instance, you may need to use the credit card to pay for the rental car in full, decline the rental company’s collision damage waiver, and be listed as the primary driver on the rental agreement. Therefore, it’s important to carefully read the terms and conditions specific to your credit card.

Based on my personal experience, I’ve found that credit card rental car insurance can be extremely helpful. It gives you an extra layer of protection and can potentially save you from having to file a claim with your personal auto insurance policy in the event of an accident or damage to the rental car. This not only helps you avoid potential rate increases but also saves you the hassle of dealing with insurance claims.

In conclusion, if you have a credit card that offers rental car insurance, it’s worth taking the time to understand the coverage it provides. Make sure to read the terms and conditions, and clarify any uncertainties with your credit card issuer. By doing so, you can make an informed decision and enjoy your next car rental with added peace of mind. Happy travels!