That means you can decline the supplementary travel accident insurance offered by the airline or travel website, and the secondary waiver offered
by auto rental companies, and enjoy complimentary coverage instead.
While
most auto rental companies can provide auto insurance, your best bet is to have independent travel insurance with coverage for car rental collision.
Much like the insurance offered
at auto rental companies, this added insurance is very profitable and usually not worth it.
You didn't buy insurance from
the auto rental company because your credit card offered that coverage.
For example, one MCC may be «
auto rental company» and another «airline».
However, if you first go through
the auto rental company's insurance, all you have to do is report the accident to your personal insurer.
This benefit allows you to decline
the auto rental company's collision damage waiver or similar provision.
You didn't buy insurance from
the auto rental company because your credit card offered that coverage.
Cost of any insurance or collision damage offered or purchased through the auto rental company
Please note: Regulations vary outside the United States, so Chase recommends that you check with
your auto rental company and Benefit Administrator before you travel to make sure your Auto Rental CDW will apply.
You'll use your own auto insurance or coverage from
the auto rental company for the latter.