Are you going through insurance or are you paying out of pocket?
A while back I had an accident, my co-worker accidentally hit my car. I was wondering the same thing too.
- If you are going through yours or somebody elses insurance and just using your credit card as a deposit, then you are not covered.
- If you are renting a car for personal use and you are paying the full amount with your credit card you need to call your provider to see what and how much is covered.