No one wants to get into an accident, especially when they’re renting a car. However, sometimes the worst happens and you end up with damage to your vehicle. What happens then? If you’ve rented the car with an eligible Chase card, you may have complimentary Chase car rental insurance, which can cover the costs of the incident.

Let’s take a look at Chase rental car insurance, what it covers and how to make a claim if you’re in an accident.

Does a Chase credit card cover rental car insurance?

As a card issuer, Chase is generous when it comes to rental car insurance. Many of its credit cards include complimentary insurance in one form or another, but the coverage levels for these can vary.

To be eligible for Chase car rental insurance, you’ll need to use your card to pay for the entire transaction. You’ll also need to decline the coverage offered by the rental car company. By doing both of these things, you’ll be automatically covered with Chase’s insurance.

Here are some of the different Chase cards that provide rental car insurance, including those from the Chase Sapphire line:

Chase Freedom Unlimited®.

Chase Sapphire Reserve®.

Chase Sapphire Preferred® Card.

United Club℠ Infinite Card.

United℠ Explorer Card.

Be aware that these cards provide varying levels of coverage. Some cards, such as the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card, will grant you primary coverage. This means that this insurance will pay out before other options — including your personal insurance.

Other cards, such as the Chase Freedom Unlimited®, have more limited benefits. With this card, coverage is secondary in your country of residence and primary while abroad. This means that if you get into a car accident at home, Chase will only pay out after other sources have made their contributions.