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Does my credit card or personal auto policy provide coverage for rental vehicles?
Several credit card companies offer coverage for damage and theft but they usually don't cover things that frequently occur like ash, sand, gravel and ice damage, nor the many types of accident-related fees that rental companies also exclude.
For American residents, credit card issuers typically require you to firstly make a claim on your personal auto plan. Most Americans face high deductibles on their personal plans, so there may not be much coverage remaining for your rental vehicle.