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Originally Posted by Kacee
Originally Posted by
inpd
A nice perk of the Mileage Plus card is that it offers primary CDW instead of secondary CDW.
You are confusing insurance with a collision damage waiver. The credit card provides insurance for damage to the vehicle. Rental car companies sell damage waivers. They are not the same thing.
In particularly, I've read reports that with secondary CDW, the rental company bills your card for the damages and then you have to work it out with visa to get reimbursed. This can require getting all sorts of documentation. Is it the same with primary CDW?
That has nothing to do with the type of coverage you have. That's the car rental company policy. The only way to avoid having your card charged for damage to the vehicle is to purchase the rental company's CDW.
It is not the case that every car-rental company will immediately charge your credit card if the car is damaged while rented to you. Some car-rental companies are perfectly happy to work with your insurer (whether the insurer is your personal policy or a credit card) if you supply the insurance information to the car-rental company.