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Is my credit card coverage sufficient to cover me in a rental car while I'm traveling in California and Nevada?

If I rent a car using my credit card, can I decline all of the coverage that the rental company offers?

Shannon Martin · Updated on May 12, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“That depends on a couple of factors. The coverage offered by most credit cards varies, but it generally only covers damage to the rental car. This

rental car insurance

is usually secondary to your own auto insurance policy, and it does not provide any

liability coverage

or

medical payments coverage

.

While this coverage is secondary, in some cases it may help to cover your deductible if the rental car is damaged. But without having your own auto insurance to act as the primary coverage, relying on the insurance afforded by a credit card could leave you with significant gaps in coverage.

The coverage offered by the rental car company isn’t really insurance at all. What they offer you is a waiver. If you pay for this waiver, the rental company waives their right to pursue you or your insurance company for damages.”

View full answer

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