Does Your Credit Card Cover Rental Insurance in the U.S.?

Does Your Credit Card Cover Rental Insurance in the U.S.?

Credit cards may include collision benefits—learn limits, exclusions and what documents to keep.

1 min. Lesezeit

At the desk you hand over a rewards card—great perks, but what about protection? As you move toward car rental, confirm what your issuer actually covers. Hola Car Rentals provides transparent pricing and maximum liability coverage on selected itineraries, so you always know where you stand.

You can compare options on car hire pages while planning. Then use this checklist to verify benefits.

Typical credit‑card benefits

Many cards offer collision damage benefits when you pay with the card and decline the counter waiver. These are often secondary and may exclude specialty vehicles or rentals beyond 15–31 days.

Liability to other parties is usually not included. That protection is separate from damage to the vehicle you’re driving.

How to verify before you fly

Call the number on your card for a benefits guide and confirm eligible countries, vehicle classes, and rental lengths.

Ask whether coverage is primary or secondary and what documents you must submit after an incident. Keep receipts and the signed agreement on hand.

To plan your first hour on the ground, check practical details like Miami Airport pickup area, Orlando Airport desks and JFK desk hours.

Bottom line

If your card’s collision benefit is secondary or excludes your vehicle class, adding waivers can bring peace of mind. Booking with Hola Car Rentals means clear options, fair pricing, and support if you ever need to file a claim. Reserve now with Hola Car Rentals.