Credit Card Insurance Inquiry
Hello! I recently rented a car and discovered a crack when returning it. I contacted my credit card insurance for assistance, and they informed me that they would only cover up to my personal car insurance deductible. Is this common, or should they cover the full amount of the damage? Thanks in advance for your insights!
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It sounds like you’re experiencing some confusion about how credit card rental car insurance works. Generally, credit card insurance can vary depending on the specific terms of the card you used, but many credit cards provide coverage that acts as secondary insurance. This means that it can cover costs that exceed what your personal car insurance covers.
In your case, if the credit card insurance is stating that they will only cover up to your personal car insurance deductible, it may be that your credit card benefits are limited in this way. However, some credit cards offer primary coverage, which would pay for damages without requiring you to first go through your own insurance.
To clarify your specific situation, it might be a good idea to:
This should give you a clearer picture of what’s covered and help you navigate the claims process. Good luck!