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Thread: any LDW from rental co = no coverage from credit card?
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Old Apr 22, 2019 | 1:07 pm
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guv1976
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Originally Posted by SeeBuyFly
I have, it just says I should decline the coverage. It does not state what happens if I don't. Both my current credit cards (from different issuers) have the same language.

I guess I don't feel entirely comfortable having no AutoEurope coverage; they say I am on the hook for the full price of the car. Some reports say AutoEurope is aggressive about finding flaws that they then bill you for---the CC will pay but it's a hassle.

Anyway, I know can just buy full (zero duductible) coverage if I want; I was just curious about how it works.
If the credit-card insurance terms say that you must decline the rental-car company's LDW to trigger the credit card's coverage, why would you assume that the card's coverage will be triggered if you purchase an optional, partial LDW from the rental-car company?

If you don't want the hassle of dealing with the credit-card's insurer in the event of an accident, then you can pay the rental-car company's fees for LDW coverage -- either full or partial, depending upon your risk tolerance.
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