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Originally Posted by ryandelmundo
Originally Posted by
joesorce
Credit cards generally are secondary COLLISION coverage, no liability protections.
Is this true for all cards?
I have looked at the agreement for my just-received Capital One platinum. Indeed, it covers only the rental car.
It does not seem to cover someone else's car or the liability.
I've looked around the 'net trying to see what happens if you get into an accident you cause....is that covered by the credit card?
I don't have a car nor do I have car insurance. So finding a card to cover me completely when I rent is essential. I guess I thought I was covered completely, but now I'm wondering if I was or not.
Shockingly, I suspect not....
If you rent frequently and are not content with the rather minimal basic liability protection offered by car-rental companies in most states (California being a notable exception), consider obtaining a non-owned-auto liability insurance policy. I pay about $135/year for $500,000 coverage.