Originally Posted by
josephstern
In most cases, you can rent a car with your card with the best coverage. Then, when you return it, assuming there has been no damage and you don't think the car rental agency will try to claim any damage, you can pay the final bill with a different card. So you can ride the primary insurance from a Chase Sapphire Reserve, for example, and then swap out to this card on final return.
That's kind of tricky if you use a rental company's free "bypass the counter" service, such as Avis Preferred or Hertz Gold, where you just return the car, they inspect it, and tell you everything's OK, tell you they're sending you the receipt, and tell you that you can proceed to your gate.
At the very least, it might cost you a bunch of extra time to visit the counter after that and stand in a long line. And then, if they've charged it already, it might take even more time to reverse that original charge and put it on another card.
And the whole point of using a "bypass the counter" service is to save time.
So that's why someone who uses the "bypass the counter" service would be interested to know if the card has primary insurance.
And sure I hope this card has primary car insurance, because there are much less expensive annual fee cards that do.