Originally Posted by
inpd
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?
Any damage will be a hassle no matter the method, but the difference in secondary vs primary CDW (if you decline the rental company's coverage) is which insurance pays for the claim.
If the card is secondary, first you must submit any claim to your regular auto insurance company, and whatever they don't cover goes to the card's insurance. This will probably raise your premiums.
If the card is primary, you submit the claim to the card's insurance and your personal auto insurer never has to handle/find out about the claim ^^^