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This data is offered for educational purposes solely and shouldn’t be relied on or interpreted as accounting, monetary planning, funding, authorized or tax recommendation. First Citizens Bank neither endorses nor guarantees this info, and encourages you to seek the guidance of knowledgeable for advice applicable to your specific situation. If your card’s CDW coverage is primary protection, you can file a claim with out involving your automotive insurance company. Primary protection is considered a extra useful perk than secondary coverage, but few cards provide it. The factors you earn usually go straight to the loyalty account you have with the travel company.