Would I get enough coverage by buying rental car insurance through my credit card company?

It turns out my credit card company can offer car insurance for rental cars. Is that kind of coverage good? Is it enough for a rental car?

Answer
The coverage provided by a credit card company for a rental car is typically not going to be sufficient. A credit card company will provide coverage for damage to the rental car, but it won’t cover you if you injure someone in an accident and they sue you. The primary policy should be your own auto insurance, especially because it provides liability coverage if you injure someone in an accident.
If you do not have auto insurance because you do not own a car, that is a different scenario. In this situation, you should purchase a full-coverage liability plan through the rental car agency to make sure you are covered in case of an accident. The rental car insurance offered by your credit card company would serve as a secondary damage policy.
If you want to use your rental car insurance through your credit card, be sure to pay for your rental with that particular card. Also, make sure you know the details of how your credit card works in terms of car rentals. Every card is different. Happy trails!
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Jackie Whalen
Answered on Mar 12, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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