Will the collision coverage from my credit card company apply to my rental car if I don't have collision coverage on my regular auto policy?

I am renting a car this weekend to drive out of state. My personal car is a hunk of junk and I only carry liability coverage on it. I know my Visa card will pay for collision coverage for the rental, but is that still the case if my current auto policy doesn't have collision?

Answer
“The collision coverage benefit that your credit card company is providing is not connected to your current auto policy at all. It would apply even if you didn’t have an active auto policy. So you have nothing to worry about in this situation.
You may also want to see if your credit card company has any rental car discounts available! Credit card companies are always adding to their perks to stay competitive. “
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Shannon Martin
Answered on Jul 19, 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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