When you charge all or a portion of the cost of the rental car to your credit card.
A number of different credit cards will provide insurance for the rental car. However, you should be aware that these credit cards offer insurance in different ways.
Qualified American Express charge cards, for instance, offer optional protection.
This indicates that American Express will only cover damages after your own insurance has run its course.
When you decline rental car insurance at the counter and pay for your rental with your credit card, whether in cash or with points, other credit cards.
like the Chase Sapphire Reserve, offer primary rental car insurance. This means that these cards will pay for damage before it goes through your personal insurance.
