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2014 Credit Card Auto Rental Insurance Report

Discussion in 'Getting There & Getting Around' started by Kcitsme, Jul 21, 2014.

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  1. Kcitsme

    Kcitsme Low-Roller

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    2014 Credit Card Auto Rental Insurance Report

    http://www.cardhub.com/edu/rental-car-insurance-credit-card-study/#loss-of-use

    I found the above site while looking for information on renting a car in Vegas. Might be of use when choosing which credit card to use for your rental.


    I use my American Express card when renting and I signed up for their Premium Car Rental Insurance. You enroll your American Express card and you are only charged when renting a car. (See site below)

    Below information was copied from their web site:

    KEY FEATURES

    One flat rate of $24.95 per rental period, not per day ($17.95 for California Residents)
    Coverage is primary for theft and damage to a Rental Car. You won't have to first file a claim with your personal insurance company which can help reduce the risk of having your personal auto insurance premiums increase*.
    There are no deductibles.
    There is no cost to enroll and your Card will automatically be billed a premium when a Card on your account(s) is used to pay for a car rental until your enrollment is terminated.


    PROTECTION

    Coverage is worldwide, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand**.
    Coverage is for up to 42 consecutive days (up to 30 consecutive days for Washington State Card Members).
    Coverage automatically extends to your other eligible Accounts when you enroll one of your American Express Card Accounts (e.g. excludes Corporate Cards).
    Covers most vehicles typically available from a Rental Company.


    COVERAGE

    Up to $100,000 of primary coverage for damage or theft of a Rental Car.
    Up to $100,000 of Accidental Death or Dismemberment coverage ($250,000 for California Residents)***.
    Up to $15,000 for excess medical expenses per person.
    Up to $5,000 for excess personal property coverage ($15,000 for Florida Residents).
    Note: Liability is not included


    https://www295.americanexpress.com/p...verage/home.do
     
    Last edited: Jul 22, 2014
  2. symbols

    symbols Low-Roller

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    Good basic info for anyone renting a vehicle. Many unexperienced renters don't realize the benefits their credit card provides. Too many people get pressured into to loss damage waivers (LDW) at the counter when in fact their credit card already has this built in.

    The other side of that is some people think that it's all covered--wrong. Over 50k vehicle? not covered. Truck? not covered. Car can't be rented for a week due to being repaired? your card might not cover those fees.

    Never ever a debit card when renting. Always credit.

    Bottom line, every card is different. Review the benefits of your card before renting.
     
  3. lotso-bear

    lotso-bear VIP Whale

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    AMEX has good rental car insurance, especially to those who do longer term rentals (7+ days) since it's a fixed rate.
     
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