Does Discover Card Offer Rental Car Insurance
Does Discover Card Offer Rental Car Insurance?
When you’re planning a road trip, you’ll likely be renting a car. It’s important to know whether or not your credit card covers rental car insurance. If it does, you don’t need to purchase additional insurance from the rental car company, saving you money. The good news is that Discover Card does offer rental car insurance.
What Is Rental Car Insurance?
Rental car insurance provides coverage for physical damage and/or theft of the car while you’re renting it. This means that if you get into an accident, or someone steals it, you won’t be on the hook for the full cost of the car. It’s important to note that rental car insurance does not provide medical coverage, so you’ll need to make sure you’re covered by other insurance if you’re injured in an accident.
Does Discover Card Offer Rental Car Insurance?
The answer is yes. Discover Card offers rental car insurance that covers you for up to $25,000 for physical damage and theft. This coverage is automatic and you’re covered when you use your Discover Card to pay for the rental car. It’s important to note that this coverage does not cover liability for damage to other people or property. It’s also important to note that this coverage is secondary to other insurance, so if you have other insurance that covers rental car damage, Discover’s coverage will kick in after that.
What Else Do I Need to Know?
It’s important to note that Discover’s rental car insurance does not cover certain types of vehicles, such as trucks, luxury vehicles, and exotic cars. It also does not cover damage to the tires, the undercarriage, or the interior of the car. Additionally, you must decline the rental car company’s insurance in order for Discover’s coverage to kick in.
How Do I File a Claim?
If you need to file a claim, you’ll need to contact Discover. You’ll need to provide documentation such as a copy of the rental agreement, a police report (if applicable), and a repair estimate. You’ll also need to provide proof of payment, such as a copy of your Discover Card statement. Once you’ve provided all of the necessary documentation, Discover will review the claim and make a decision.
Conclusion
Discover Card does offer rental car insurance, providing you with coverage for up to $25,000 in physical damage and theft. It’s important to note that this coverage does not cover certain types of vehicles, and you must decline the rental car company’s insurance in order for Discover’s coverage to kick in. Additionally, you must provide Discover with all of the necessary documentation in order to file a claim.
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