 TITLE: Do I Need Insurance to Rent a Car? CONTENT: Check if Your Credit Card Offers Rental Car Insurance\n-----------------------------------------------------\nTo find out if your credit card offers car rental insurance and what type of coverage it includes, check your credit card agreement or call the number on the back of your card. Policies vary from one card to another, so be sure you understand your policy's coverage, requirements and exclusions. For instance, some policies exclude long-term rentals or certain types of vehicles. Coverage may require that you decline the car rental company's coverage, use the card to pay all charges for the rental car, or file a claim within a certain time frame.\nAlso check to see if the credit card provides primary or secondary rental car coverage. Primary coverage is rarer and means you can file a claim with the credit card benefits administrator before filing a claim with your own car insurance or homeowners insurance. If the credit card policy covers the damage, you won't have to pay your own insurance policy's deductible or worry about your premiums rising. Secondary coverage kicks in only after any benefits from your own insurance policy have been exhausted. It may cover any deductibles you have to pay your insurance company.\nIf you don't have a credit card that includes car rental insurance, you may want to apply for one that does. The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® card offer primary rental car insurance, while the Chase Freedom Unlimited® card offers secondary rental insurance. All these cards require good or better credit or better and offer plenty of other rewards and benefits.\nA personal credit card that has rental car coverage may not cover a car rented for business. For that, you'll want to use a business credit card. END