How Do I Use the Rental Insurance with My Discover Card and What Does it Cover? | CreditShout

How Do I Use the Rental Insurance with My Discover Card and What Does it Cover?

By Kevin / November 19, 2010
Credit Card Rental Car Insurance Benefits

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Q: I don’t completely understand how I use my rental insurance through my Discover card. What does this rental insurance cover if I have an accident and how do I use it?

A: You can take advantage of rental car insurance offered by Discover by using your credit card to pay when you rent a car. This allows you to use the rental car insurance benefit offered by Discover in place of your regular automobile insurance. In other words, if you are in a rental car, and you have an accident, you would first report it to the insurance company who is underwriting the policy you have received through Discover.

Rental car insurance covers pretty much what your regular auto insurance does. This includes medical bills if injuries were sustained in the accident, repair or replacement of the rental car, theft, and just about anything else your regular automobile insurance policy covers.

The only difference is the amounts of coverage may be lower on the rental car insurance policy than on the regular policy. So it is possible that you will have to use some of your regular automobile insurance to make up any difference that may occur.

Deciding to get and use rental car insurance is a personal decision. Some people like the idea of having extra coverage, particularly since they may be driving an unfamiliar vehicle, while others would rather just use their own automobile insurance. Either is alright–the important thing is to have automobile insurance.

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