Does Discover Credit Card Cover Rental Car Insurance?

In today's world, having a good credit card is a must. Not only does it provide convenience when making purchases, but it also offers a variety of benefits for cardholders. One of the most important benefits offered by credit cards is rental car insurance. This can be a great way to save money, especially if you are traveling and need to rent a car. But does Discover Credit Card cover rental car insurance?

What is Rental Car Insurance?

Rental car insurance is an extra form of coverage that can be purchased from rental car companies. It provides coverage for any damage to the vehicle while it is being rented. This type of insurance is typically more expensive than regular auto insurance, but it can provide peace of mind if something goes wrong while renting the car. It can also help to reduce the amount of money that needs to be paid out of pocket if an accident occurs.

Does Discover Credit Card Cover Rental Car Insurance?

The answer to this question is yes. Discover Credit Card does offer rental car insurance coverage. This coverage is provided as part of the Discover Card's purchase protection program. This program offers coverage for rental car damages up to $50,000. This coverage is automatically included with all Discover Card accounts.

What is Covered by Discover Credit Card Rental Car Insurance?

Discover Credit Card rental car insurance covers damage to the rental vehicle, including theft and vandalism. It also covers various types of liability associated with the rental car, such as medical payments, legal defense fees, and personal injury protection. This coverage is available for up to 31 days of rental, and the cardholder must be listed as the primary driver on the rental agreement. It is important to note that this coverage does not extend to other drivers or passengers in the rental car.

How to File a Claim with Discover Credit Card Rental Car Insurance

If you need to file a claim with Discover Credit Card rental car insurance, the process is fairly simple. First, you will need to contact the rental car company and fill out the necessary paperwork. Once the paperwork is completed, you will need to submit it to Discover Credit Card. You will then need to provide proof of the damage, such as photos or a police report. Once the claim has been reviewed and approved, you will receive a reimbursement for the damages incurred.

Conclusion

Discover Credit Card does offer rental car insurance coverage as part of its purchase protection program. This coverage provides protection for up to $50,000 in damages, and is automatically included with all Discover Card accounts. The process for filing a claim is relatively simple, and Discover Credit Card offers a convenient way to save money on rental car insurance.