When you decline coverage at a rental car agency in favor of the protection your credit card offers, you’ll probably face that dreaded question from the salesperson: “Are you sure?”

You know your credit card’s policy doesn’t cover absolutely everything. But at the same time, you don’t want to pay upward of $10 a day at the last second for coverage you might not need. So instead of making a split-second decision at the counter, review your options beforehand. Here’s what your credit card protection might not cover.