Related: 11 common rental car mistakes - and how to avoid them What’s covered (and what’s not) Second, if you don’t own a car or carry a car insurance policy, most secondary insurance from credit cards will become primary. and your personal car insurance policy doesn’t provide coverage, your credit card's insurance may become primary. First, if you’re renting a car outside the U.S. Most secondary credit card car rental insurance policies automatically become primary insurance in two common scenarios. However, secondary insurance will reimburse you only for the amount not covered by other insurance policies. Generally, primary insurance will reimburse you for the rental car’s cash value or the cost to repair it - whichever is less. Secondary insurance would cover any expenses remaining to be paid, such as deductibles on those other VIA TWENTY20/GETTY IMAGESīoth types of insurance usually have maximum coverage amounts, so make sure these meet or exceed the total value of the car you’re renting. Secondary insurance only kicks in after other types of insurance, such as travel insurance or your personal car insurance, have been used. The car rental coverage available on select travel rewards cards can be a primary or secondary auto rental collision damage waiver. Related: Should I purchase rental car insurance for a rental car booking? Primary vs.
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