Credit Card Insurance Inquiry
Hello! I recently rented a car and discovered a crack upon returning it. I filed a claim with my credit card insurance, but was informed that they would only cover up to the amount of my personal car insurance deductible. Is this the standard procedure, or are they typically expected to cover the full cost of damages? Thank you for your insights!
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Hi! It sounds like you’re dealing with a frustrating situation. Typically, credit card rental car insurance acts as secondary coverage, meaning it kicks in after your primary insurance has been used. This is why they may cover only up to your deductible amount.
It’s essential to check the specific terms and conditions of your credit card’s rental car insurance policy, as each credit card provider has different rules. Some may cover the full damage; others may not. If you’re unsure, you might want to contact your credit card company directly for clarification. Additionally, reviewing your personal car insurance policy might give you further insights into how claims work in such situations. Hope this helps!