Is my credit card coverage sufficient to cover me in a rental car while I'm traveling in California and Nevada?

If I rent a car using my credit card, can I decline all of the coverage that the rental company offers?

Answer
“That depends on a couple of factors. The coverage offered by most credit cards varies, but it generally only covers damage to the rental car. This rental car insurance is usually secondary to your own auto insurance policy, and it does not provide any liability coverage or medical payments coverage.
While this coverage is secondary, in some cases it may help to cover your deductible if the rental car is damaged. But without having your own auto insurance to act as the primary coverage, relying on the insurance afforded by a credit card could leave you with significant gaps in coverage.
The coverage offered by the rental car company isn’t really insurance at all. What they offer you is a waiver. If you pay for this waiver, the rental company waives their right to pursue you or your insurance company for damages.”
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Shannon Martin
Answered on May 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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