Many people renting a car assume their credit card automatically covers everything.
But is that really true?
If you’re exploring car rentals in Columbia SC, this guide helps you compare both options so you know exactly what you’re protected from.
Credit Card Coverage: What It Usually Includes
Credit card insurance often provides:
- Collision protection (secondary)
- Theft protection
- Some damage coverage
But it usually DOESN’T cover:
- Liability
- Injury to others
- Glass damage
- Tires and rims
- Loss of use fees
- Administrative fees
Rental Company Insurance: What It Covers
Depending on what you choose, rental insurance can include:
- Full collision coverage
- Liability protection
- Theft coverage
- Personal accident coverage
- Coverage for glass and tires (in premium packages)
This means fewer gaps and fewer out-of-pocket surprises.
Side-by-Side Comparison
| Feature | Credit Card | Rental Company |
| Collision coverage | Yes | Yes |
| Liability | ❌ No | ✔ Yes |
| Tires/Windshield | ❌ No | ✔ With premium |
| Damage fees | ❌ Often excluded | ✔ Included |
| Loss of use | ❌ Often denied | ✔ Included |
| Payout speed | Slow | Fast |
Which Is Better?
If you’re looking for cheap auto rentals in Columbia SC, credit card coverage can save you money but only if you understand its limits.
For peace of mind, especially on long trips, rental company insurance is more complete.
