It has nothing to do with NY. Almost all credit card coverages are secondary and claims go to your personal auto policy first.
Diners Club provides primary coverage as does a few corporate cards.
Diners Club provides primary coverage as does a few corporate cards.
Actually, when you live in NY and NY only it has to go through your primary insurance first and then the Visa protection kicks in to pay your deductable. Apparantly there is some law that precludes the Visa insurance from paying it in full for us. I only know this because we were in an accident with our rental car in FL in April and used our Visa card, the insurance through Visa was very nice and he expalined the process to me, sent me all the paperwork I needed and I filled it all out. Fortunately I didn't end up having to pay for anything as the person who hit us was issued a citation and their insurance picked up everything. But the protocallis your insurance first, then any deductable will eb covered by VIsa benefits if you live in NY.