{"id":255,"date":"2026-05-12T10:52:54","date_gmt":"2026-05-12T10:52:54","guid":{"rendered":"https:\/\/www.way.com\/insurance\/guide\/?p=255"},"modified":"2026-05-12T10:53:35","modified_gmt":"2026-05-12T10:53:35","slug":"credit-card-rental-car-insurance-what-is-it-and-how-does-it-work","status":"publish","type":"post","link":"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/","title":{"rendered":"Credit card rental car insurance: What is it and how does it work?"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">You may\u00a0book a rental car with a credit card, and your credit card company will offer some level of coverage.\u00a0Your credit\u00a0card\u2019s\u00a0rental car insurance coverage should keep you financially secure in the event of an accident or theft.\u00a0But before we look at how credit card rental car insurance works,\u00a0let\u2019s\u00a0take a look\u00a0at the basics and what type of coverage you need when renting a car.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#What_is_credit_card_rental_car_insurance\" >What is credit card rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#How_does_credit_card_rental_car_insurance_function\" >How does credit card rental car insurance function?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#What_does_credit_card_rental_car_insurance_cover\" >What\u00a0does\u00a0credit card rental car insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#What_to_do_when_filing_a_claim\" >What to do when filing a claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#Things_to_keep_in_mind_while_renting_a_car\" >Things to keep in mind while renting a car<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#Is_it_legal_to_drive_a_rental_car_without_insurance\" >Is it legal to drive a rental car without insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/#Final_thoughts\" >Final thoughts\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_is_credit_card_rental_car_insurance\"><\/span>What is credit card rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Many credit cards provide car rental insurance, commonly referred to as car rental loss or damage insurance, as a standard feature. It is a\u00a0perk\u00a0that provides insurance coverage for the card\u00a0members, for passengers and any drivers approved under the rental contract \u2013\u00a0as long as\u00a0they pay for the rental car using the credit card. Sometimes, some of the best car insurance companies do not provide rental insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Credit\u00a0card car\u00a0rental coverage can be beneficial. However, it is vital to understand how your credit card rental car insurance works, what it covers, and how to utilize it so that you can be confident\u00a0you\u2019ll\u00a0be covered in the event of an accident or any other issue while driving your rental.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_does_credit_card_rental_car_insurance_function\"><\/span>How does credit card rental car insurance function?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">If your credit card gives rental car insurance, it will usually kick in when you pay for your rental car with that credit card. If your credit card company does not offer rental car insurance, you can buy it separately.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For the coverage to kick in,\u00a0you\u2019ll\u00a0have to decline the insurance given by the rental car company. The specifics of\u00a0how your credit card rental car insurance works can vary.\u00a0It\u00a0ultimately depends\u00a0on whether your card provides primary or secondary coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><strong>Primary coverage:<\/strong><span data-contrast=\"auto\">\u00a0Pays for claims that occur before your personal auto insurance takes effect. Thus, you can avoid paying your deductible. In some cases, you could also avoid a rise in your insurance premiums.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><strong>Secondary coverage:<\/strong><span data-contrast=\"auto\">\u00a0This coverage will not kick in until your car insurance has paid the damages first. Then, the rental car coverage on your credit card will refund you for your deductible. If applicable, it will also cover any\u00a0additional\u00a0expenditures not covered by your personal car insurance policy. Credit cards that provide secondary coverage are more common than those that provide primary coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">But what if you\u00a0don\u2019t\u00a0have a personal car\u00a0insurance policy? In\u00a0such instances, your\u00a0secondary coverage will be converted to primary coverage, and you could find\u00a0yourself reaping even greater benefits from your\u00a0credit card rental car policy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_does_credit_card_rental_car_insurance_cover\"><\/span>What\u00a0does\u00a0credit card rental car insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">It covers damage and theft to your rental. However, the credit card and the credit card issuer often\u00a0determine\u00a0the level of coverage. For example, certain credit cards may provide coverage for damaged or stolen personal belongings, while others may not. Furthermore, your credit card insurance may not cover loss-of-use fees, which are the fees that a rental car company may charge you to compensate for lost business while the rental car is undergoing repairs due to the damage you caused.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Several other factors can influence your credit card rental car insurance coverage, including:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Vehicle type:<\/span><\/b><span data-contrast=\"auto\">\u00a0Exotic cars, antique cars, cargo vans, and limousines may not have the same level of coverage as an economy car or a conventional SUV.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Location:<\/span><\/b><span data-contrast=\"auto\">\u00a0Some card issuers may deny coverage in certain countries.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Duration:<\/span><\/b><span data-contrast=\"auto\">\u00a0Most cards may only be offered for a limited period, often between two weeks and a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Consult with\u00a0your credit card provider to find out what is and\u00a0isn\u2019t\u00a0covered by your credit card rental car insurance policy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"What_to_do_when_filing_a_claim\"><\/span>What to do when filing a claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">If there is any damage to the rental vehicle, you must file a claim with the insurance company.\u00a0It\u2019s\u00a0a good idea\u00a0to first\u00a0get in touch with\u00a0your credit card company to\u00a0determine\u00a0what steps\u00a0you\u2019ll\u00a0need\u00a0to take. Typically, the credit card provider will need the following to process a claim:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">A copy of the rental\u00a0company\u2019s\u00a0damage report.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Photographs of the damage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">A repair estimate\u00a0issued by the\u00a0rental\u00a0company.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">A copy of the rental agreement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If another car or\u00a0person\u2019s\u00a0property\u00a0is damaged or stolen,\u00a0you\u2019ll\u00a0most likely need\u00a0to attach a copy of the police report as well.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Things_to_keep_in_mind_while_renting_a_car\"><\/span>Things to keep in mind while renting a car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">To be eligible for the complimentary collision damage waiver coverage, you must book and pay for your rental with the credit card that provides the coverage. However, the coverage\u00a0that is provided\u00a0by credit cards is quite limited. Vintage cars, recreational vehicles, large passenger vans, limos, trucks, and any motorcycle or scooter are likely to be excluded from coverage under the free collision damage waiver or the\u00a0loss\u00a0damage waiver, which\u00a0your credit card company offers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Is_it_legal_to_drive_a_rental_car_without_insurance\"><\/span>Is it legal to drive a rental car without insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">In most circumstances, you can drive a rental car without any proof of insurance. The rental car provider insures each car to at least the\u00a0state\u2019s\u00a0minimum insurance requirements. Those minimums, however, may be\u00a0relatively low\u00a0depending on the state where you are visiting or renting a car.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you do not use a credit card that includes rental car insurance and your personal car insurance does not cover you, your rental agreement\u00a0states\u00a0that you\u00a0are responsible for\u00a0any damage you cause while renting the vehicle. Damage to the rental car, liability for any damage to other cars, people, or property, and any other losses to the rental car company will all be billed to you. Hence, getting rental car insurance coverage is always\u00a0a good idea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Final_thoughts\"><\/span><span data-contrast=\"auto\">Final thoughts<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Many drivers find it unnecessary to get rental car damage and theft insurance because their personal auto insurance policy may cover rental cars. The credit card they used to pay for the rental may also provide adequate coverage. However, if you\u00a0don\u2019t\u00a0have either, paying for the rental car\u00a0agency\u2019s\u00a0coverage may be worth the extra peace of mind.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may\u00a0book a rental car with a credit card, and your credit card company will offer some level of coverage.\u00a0Your credit\u00a0card\u2019s\u00a0rental car insurance coverage should keep you financially secure in the event of an accident or theft.\u00a0But before we look at how credit card rental car insurance works,\u00a0let\u2019s\u00a0take a look\u00a0at the basics and what type&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/insurance\/guide\/credit-card-rental-car-insurance-what-is-it-and-how-does-it-work\/\">Continue reading <span class=\"screen-reader-text\">Credit card rental car insurance: What is it and how does it work?<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit card rental car insurance: What is it and how does it work? - insurance guides<\/title>\n<meta name=\"description\" content=\"Find out whether your credit card includes rental car insurance, the difference between primary and secondary coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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