Does my credit card offer rental-car insurance?

Many credit-card companies offer rental-car insurance as one of the benefits for cardholders. However, rental-car insurance provided by your credit-card company is usually secondary insurance. That means if you get into an accident or the car gets stolen, your auto-insurance company will get billed first. If that is the case, your deductible will apply to the claim.

Credit-card companies offering primary rental-car insurance is less common. Primary insurance does not go through your personal auto insurance, so you do not have to pay a deductible. You can call your credit-card company to determine what type of insurance it offers.

Most major credit-card companies offer rental-car insurance for cardholders , but you usually have to pay for the rental car using the card and rent the car in your name.