 TITLE: Understanding Credit Card Insurance Protection CONTENT: How to Get the Most Out of Your Credit Card's Insurance Policy\n--------------------------------------------------------------\nIf your credit card offers insurance policies, read your cardholder agreement carefully to understand what is covered by the insurance and what isn't. Most policies have exclusions and limitations on coverage.\nFor example, your card's insurance may cover a stolen cellphone but not a lost one. Understanding details such as how quickly claims must be made and what reimbursement limits apply can save you pain down the road. If you're in doubt about any aspect of your insurance coverage, contact the credit card issuer for clarification.\nYou should also keep records of all of your purchases made with the card, including any receipts, warranties or other documentation. You may need this information to make a claim.\nOnce you understand the specifics of your coverage, you can plan purchases to maximize any insurance your card offers. For instance, you can pay your cellphone bills with a card that offers cellphone protection or make travel arrangements with a card that offers travel protection. END