Maybe. Credit cards really do not like to pay out for rental car damages. Generally, credit cards consider any rental car coverage as a card benefit, not insurance. This enables card services to avoid insurance regulations. The only credit card coverage we have had any ease of dealing with is AMERICAN EXPRESS PREMIUM CAR RENTAL PROTECTION. This is the service you have to sign up for and pay an extra $25 for the duration of the rental contract. However, it provides $0 deductible for collisions and they actually pay!
Some things we have learned about credit card coverages in the past:
Mastercard is the absolute WORST. It seems their technique is to drag a claim out so long that people eventually give up. Of the three claims we have had renter’s try to process, Mastercard has taken an average of 4-months to settle. Expect nothing but frustration dealing with MC.
Premium American Express coverage is the best! Please buy this, it is better for you and for me! Premium Amex Coverage. We will happily accept AMEX’s higher rate if you buy this. They are so much easier to deal with.
NOTE: Premium Amex Coverage DOES NOT provide coverages for our 12-Passenger rental vans!!!
Each credit card is different and provides different coverages. Again, the only one we have ever had a positive experience with is the premium AMEX coverage. The information provided above reflects OUR experience over the years. This information is not to be interpreted as definitions of coverages as provided by others. Use at your own risk!