Credit Card Rental Insurance Coverage Explained

That credit card in your wallet probably includes rental car insurance, and the problem is that almost nobody knows what it actually covers until they need it and find out too late. The coverage is real, but it comes with conditions, exclusions, and a specific process, and assuming it works like full insurance is how people end up paying a repair bill out of pocket.The coverage is usually a collision damage waiver, meaning it covers damage to or theft of the rental car itself, not injuries to people or damage to other cars. It is also secondary for most cards, so it pays only what your personal auto insurance does not, and only if you decline the rental company’s own collision waiver at the counter, a detail that trips people up constantly. If you accept the rental