Originally Posted by
philemer
DW and SIL will be renting a car in Hawaii this weekend. Both of their cards have only secondary coverage. I assume their own auto policy would cover all damages less their deductible? Then would their credit card cover anything?
Typically, credit-card secondary coverage would pay up to the amount of the deductible; one's personal auto insurance would cover the rest of the damage, if the damage exceeded the amount of the deductible.
But if only one credit card is used to initiate the rental, then only that card's benefits would apply.