Wreck your rental car? Your credit card could help

You might recall that your credit card provides some type of free protection for rental cars. Here’s what to ask your credit card issuer:

Is rental car coverage primary or secondary?

Primary coverage is better, but few cards offer it. After an accident, primary coverage pays first, allowing you to bypass your personal auto insurance. The secondary coverage that most credit cards offer typically means your auto insurer pays the claim but the card will reimburse your deductible and potentially other costs not covered by your personal policy.

How do I make sure coverage applies to my rental? Typically, you must pay for the rental with

the credit card that includes the benefit, and you must decline the rental car company’s collision coverage. The driver at the time of the accident must be listed on the rental agreement.

What coverage is included? Credit card coverage mostly applies to what’s called a collision damage waiver or loss damage waiver. Cards also usually include some coverage for towing expenses and administrative fees.

What isn’t covered? Typically not covered are liability and injury concerns.

What vehicle rentals are excluded?

Credit card coverage usually excludes certain types of vehicles, such as expensive or exotic cars as well as motorcycles, trucks and large vans. —