audreyh1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I was reviewing rental car insurance options recently, and I came across some interesting information.
Many credit cards provide rental car collision damage waiver coverage as long as you have declined it from the rental company. But this is usually offered as secondary insurance, meaning you have to file a claim with your insurance company first, and then the credit card insurance will cover things not covered by your auto insurance company such as your deductible .
However - there are several cards out there that provide this rental car insurance as primary insurance. This means you don't have to get your auto insurance company involved - you can just go straight to the credit card company and let them handle it. Fortunately, I have one of these credit cards, and I will use it next time I rent a car.
If you don't have a credit card that provides primary insurance, but you have an American Express card, you can buy primary insurance coverage for an extra flat fee per rental. It provides some medical coverage as well.
Another point - if you don't carry collision insurance on your personal car(s) at home, then the secondary credit card collision damage waiver insurance becomes the primary insurance.
Of course you have to charge the rental to the credit card for the insurance to be in force. And there are time limits in terms of number of rental days, and some credit cards won't cover certain car models.
Here is an article that discusses cards that provide primary insurance for rentals cars. Credit Cards That Offer Primary Car Rental Coverage
Many credit cards provide rental car collision damage waiver coverage as long as you have declined it from the rental company. But this is usually offered as secondary insurance, meaning you have to file a claim with your insurance company first, and then the credit card insurance will cover things not covered by your auto insurance company such as your deductible .
However - there are several cards out there that provide this rental car insurance as primary insurance. This means you don't have to get your auto insurance company involved - you can just go straight to the credit card company and let them handle it. Fortunately, I have one of these credit cards, and I will use it next time I rent a car.
If you don't have a credit card that provides primary insurance, but you have an American Express card, you can buy primary insurance coverage for an extra flat fee per rental. It provides some medical coverage as well.
Another point - if you don't carry collision insurance on your personal car(s) at home, then the secondary credit card collision damage waiver insurance becomes the primary insurance.
Of course you have to charge the rental to the credit card for the insurance to be in force. And there are time limits in terms of number of rental days, and some credit cards won't cover certain car models.
Here is an article that discusses cards that provide primary insurance for rentals cars. Credit Cards That Offer Primary Car Rental Coverage