(Avis, Budget, National, Thrifty). Some companies even say they alone will decide the diminution (Dollar, Hertz"). The rental company's damage waiver normally covers accidental damage and towing a damaged vehicle, as long as the renter complies with the rental contract (such as authorized drivers, locations, no racing) and with the damage waiver (such as police report). Waivers may also cover theft, vandalism, loss of use, and liability. The renter often has a choice among different coverages for different fees. Damage waivers are not necessarily complete. They may have deductibles (also called excess) and limits on the amount covered. Liability coverage always has limits. The descriptions above come from rental company websites, under headings like Policies, FAQ, Coverage, or More. Damage Waivers can be bought from the car rental company in most countries, or through a car hire excess insurer in the UK, or through travel insurers. Coverage from the car rental company may be required if the renter lacks proof of coverage elsewhere. Credit card coverage of damage waiver Cards issued in the US Some credit card issuers (Visa, MasterCard, etc.,) offer insurance for theft or damage to rented cars. A few of the cards (noted in the table below) offer "primary" insurance, so the driver does not need to file a claim with his or her personal insurance. More cards offer "secondary insurance." This means that if the renter has personal or business vehicle insurance with appropriate coverage, then that insurance will pay first. Then the credit card issuer will pay the primary insurance's deductible and will address any large claims above the primary insurance limit. If the renter has no other vehicle insurance for the specific claim (no insurance at all, or not in the relevant country, or no collision insurance, etc.), the credit card company (if it offers coverage) will pay the whole amount, up to its limits. All four credit card companies listed below cover collision damage with some of their cards. Visa and some MasterCards and American Express cards also cover theft, while other MasterCards and American Express cards include theft, vandalism, hitting a deer or chipping a window (sources at bottom of table). Other issues important to some renters are that Visa and MasterCard only cover rental contracts of 15 days or less (not even the first 15 days of longer rentals). Some American Express and MasterCards are not useful on dirt or gravel