Rental Car Damage Waiver - which one my CC's to use

[Anonymous]

I will be renting a car from Enterprise for 3 days next month. I don't have a car insurance policy, so I will either have to buy the Car Damage Waiver from the rental company or go with the one that my CC comes with.

I can choose between Chase Freedom Signature Visa, Sallie Mae World MC, Fidelity Amex or Discover It.

Based on your knowledge/experience, which one is better when it comes to CDW?

[Anonymous]

Someone correct me if I am wrong but I believe all cards listed are secondary coverage. Amex does sell primary coverage which I would highly recommend.

[Anonymous]

https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do

Its a flat fee of $24.95

[Anonymous]

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@Anonymous wrote:

Someone correct me if I am wrong but I believe all cards listed are secondary coverage. Amex does sell primary coverage which I would highly recommend.

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It is my understanding that if you don't have an existing auto policy, the secondary coverage that a CC provide becomes a primary coverage.

[jim44]

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@Anonymous wrote:

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@Anonymous wrote:

Someone correct me if I am wrong but I believe all cards listed are secondary coverage. Amex does sell primary coverage which I would highly recommend.

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It is my understanding that if you don't have an existing auto policy, the secondary coverage that a CC provide becomes a primary coverage.

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Something that the OP may also want to look into is whether these credit card insurance policies offer liability insurnance also. As the OP claims he doesn't have a car insurance policy IMHO wouldn't they need liability insurance incase he was at fault in an accident?

[CreditJim]

I don't think there is a credit card that offers liability insurance, not that I can find anyway.

[Anonymous]

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@jim44 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Someone correct me if I am wrong but I believe all cards listed are secondary coverage. Amex does sell primary coverage which I would highly recommend.

---

It is my understanding that if you don't have an existing auto policy, the secondary coverage that a CC provide becomes a primary coverage.

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Something that the OP may also want to look into is whether these credit card insurance policies offer liability insurnance also. As the OP claims he doesn't have a car insurance policy IMHO wouldn't they need liability insurance incase he was at fault in an accident?

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CC's do not offer liability. However, rental cars come with given state's minimun liability requirements. If a renter desires higher level of coverage, he/she can either purchase the liability from the rental company or get a non-driver auto policty, which is offered by some of the insurance companies.

[yfan]

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@Anonymous wrote:

https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do

Its a flat fee of $24.95

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Unless you live in California. For us it's $17.95.

[xerostatus]

What I did when i rented a car for a few days was purchase the liability insurance from the rental company, but refuse the collision (since the CC would cover that). That was my understanding in regards to what I needed to do to protect myself, when I did my research back then. 

In regards to the "primary" coverage offered by Amex, it says right on that page "liability" not included. So I think one needs to either purchase the liability insurance from the rental company, or purchase one of those non-owners plans from insurance company, in order to covered for liability.

[HiLine]

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@Anonymous wrote:

https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do

Its a flat fee of $24.95

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The original poster does not have any American Express-issued card.

The Visa and the Mastercard would be better options in my opinion since they cover loss-of-use. Discover does not cover loss of use, and I don't know about the Fidelity card.