On the no annual fee American Express cards the car rental insurance is only for “loss and damage”. I am unsure if the cards with fees offer better protection but I did a search on americanexpress.com to find the definition and it stated it applies to theft or damage. What is the word “damage” entail? Because the way it reads makes it sound like it applies to collisions. How about things like vandalism, weather damage or a door ding in a parking lot from another vehicle?Renting a car? We've got you covered
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Then I was even more surprised to see what vehicles are excluded.
Pickup trucks and SUVs are excluded? If I rent a Lincoln or Cadillac am I excluded? Would a Buick be considered a luxury vehicle too?Standard vehicles only. Excludes, but not limited to, luxury vehicles, SUVs, and pickup trucks
Then the American Express car rental insurance does not cover a great amount.
Really, $50,000 is all? A crash into another vehicle would easily cost that if both were totaled.Up to $50,000 in coverage for damage,
theft, or loss; Platinum CardÂ® members
receive up to $75,000
Then you got to remember this is secondary coverage to regular auto insurance. That for most of us the crash would first get billed to the regular car insurance and that means a deductible to pay and an accident on the insurance record.
Thank God I have not had an accident or damage to a rental car yet and that I discovered this information now! Am I the only one that is disappointed with how American Express auto rental insurance works?