It’s the hard sell at the car rental counter that everyone knows is coming but few know how to handle: rental car coverage. You might recall that your credit card provides some type of free protection for rental cars. That’s probably true, and it can be valuable. But you have to know what coverage you have and when it applies to your rental. “Consumers can often be confused about what their credit card does and doesn’t cover,” says Loretta Worters, spokeswoman for the Insurance Information Institute. “That’s why it’s important that they contact their insurance agent as well as their credit card company before signing that contract.” Many people can reject rental car protection because it duplicates coverage they already have, but that’s usually because their own auto insurance policy applies. “For most people traveling for personal reasons, paying extra for coverage from a car rental company is probably a waste of money,” large auto insurer State Farm says on its website. The coverage that most credit cards offer, typically for damage to or theft of the rental car, kicks in after your personal auto insurance pays. But that secondary coverage can be valuable. Perhaps most important, it could reimburse you for your auto insurance deductible, which might be as high as $1,000. Understanding your credit card’s coverage for rentals is as simple as calling the phone number on the back of your card and asking the issuer, experts say. Coverage can vary by card network, such as Visa, Mastercard or American Express; by card issuers, such as banks; and even by the specific card. “We recommend that customers know, before renting a car, what their credit cards cover and if it transfers to a rental vehicle,” says Lisa Martini, a spokeswoman for Enterprise Holdings, which owns the Enterprise, National and Alamo rental brands. “Specifically, it might be best to inquire what the coverages are, what is included and what the exclusions are — if there are any — for rental vehicles.” It’s worth a few minutes of investigation. If you can safely decline $20 per day of add-ons at the rental counter because of your credit card, that saves you $280 on a rental during a two-week vacation. Here’s what to ask your credit card issuer:The article Wreck Your Rental Car? Your Credit Card Could Help originally appeared on NerdWallet.