How does rental car insurance offered by credit card companies (when you use the card) work?

Every card is different, and the card companies can change their insurance carriers without notice. Most of them give collision damage waiver only. If you have an accident, they will cover repairs over and above the rental company insurance, but they do not cover the cost of a replacement rental for you to drive. Very few of them cover liability. The most complete coverage may be offered by your insurance company, for a lower fee than the waivers offered by the rental companies. In Manitoba, for instance, we sell (to Manitobans) a rental car policy that gives $50 deductible for damage, loss of use coverage, and 5 million dollars liability coverage, and this package can be bought to cover a rented car anywhere in Canada or the US. So, before you rely on your credit card, read the wordings booklet, then talk to you auto insurance agent. Try this site to find the best car insurance

Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

If this coverage costs any extra drop it. I assure you there are so many loopholes and special conditions I'd be surprised if it actually works when you need it too.