Help please it’s my first time in a car accident :( somebody rear-ended my rental car today (totally their fault). I got their insurance info but I also have collision coverage with my credit card. Do I file a claim with both her insurance + my CC? Which one should be paying for the damage caused on my rental? Thank you 🙏

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If the other driver is at fault, the coordination of benefits goes like this: their auto insurance, then your auto insurance (in some states your policy may cover your car and then they will go after the at-fault driver), then any other insurance, like the extra insurance you purchased for the rental, or the cc collision insurance.

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^ yes, I have the venture x which gives me primary coverage. I’m just trying to figure out if I need to get the other driver’s insurance to pay or my CC.

Did you buy the car rental insurance? Then they take care of it. I’m not, call your insurance company and give them the info and they will handle it.

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Usually to qualify for insurance under your credit card you had to put the charge on the credit card. You can’t use the authorization and pay cash or pay with some other method you have to use the credit card. Did that happen?

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Yes! all requirements for qualifying are met

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Are you from the midwest?

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