Car rental

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Elderly Eric
 
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Car rental

Postby Elderly Eric » Wed Jul 23, 2008 11:34 am

Although I find it difficult to believe I am told that in the USA if one rents a car and has paid by credit card, insurance for the vehicle, other than CDW, is covered by the Credit Card providers Insurance. Thus one need not pay for additional insurance when renting a vehicle.

Has anyone any knowledge on this subject?


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fffresh
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Most CC's give free car insurance on rentals

Postby fffresh » Thu Jul 24, 2008 12:41 am

Yep it's a great benefit. Most Gold/Platinum credit cards give you free insurance on rental cars. I know they don't cover exotic cars like Lamborghinis but if you just have an average car rental like a Ford or Toyota it's covered. I don't know if it works though with foreign cards used here in the US. I think they may have to be cards opened in the U.S. to qualify.

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Cucumber
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Postby Cucumber » Thu Jul 24, 2008 9:59 am

And the insurance doesn't apply to some trucks I know. If you get a U-Haul or the like you need to buy separate insurance. But I think it applies to normal pickup trucks like a F-150 or Silverado.
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Elderly Eric
 
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Car rental

Postby Elderly Eric » Thu Jul 24, 2008 1:15 pm

Thanks for the inforrmation.
I used to have both Diners and American Express cards but dropped them when I retired. I now only have British cards and having checked they do not offer the rental car insurance benifit. I will check with Am Exp maybe I can open an account that privides the cover. I visit the US about 3 times a year to see family.

Thanks again

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Mogul of Pineapples
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Postby Mogul of Pineapples » Thu Jul 24, 2008 11:52 pm

If you visit the US three times a year that would save you a good amount of money. You don't necessarily need a card with an annual fee like Amex or Diners Club, like fresh mentioned, pretty much every gold and platinum card gives you rental car insurance, even the free credit cards. I don't know either if this will work if you open up a card overseas but check to see it's worth a shot.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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Roni
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Postby Roni » Sat Jul 26, 2008 8:21 pm

I think the credit card car rental insurance only goes into effect after your personal auto insurance pays. If you don't have car insurance then the CC pays, but if you do, then your insurance company's coverage applies first before the CC insurance pays any.

Like if your insurance paid it all minus a $500 deductible, your CC would pay the deductible I think.

Jephcard
 
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Postby Jephcard » Thu Jan 21, 2010 11:08 am

CDW is covered by some, not all CCs.
There are other coverages, though, that are necessary during rental car purchases that CCs never cover: liability (if the honor student runs out in front of you and doesn't survive who will pay the $5 million judgement?), medical, comprehensive (someone 'keys' your rental, or breaks the window. Your OWN auto insur MAY cover these...the only way to know is to call your agent and get details. In many US states your own insur has different terms for rentals for 1"on vacation or business" or 2 driving while your own car is being repaired under your own collision terms. Sometimes the distance from home, intra- or inter-state, and domestic vs foreign is also important as to the coverages....CHECK!

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Cucumber
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Postby Cucumber » Fri Jan 22, 2010 3:19 am

I had no idea they didn't cover comprehensive :eek: Good to know! Thanks for sharing!
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Tishylu
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Postby Tishylu » Wed Jun 02, 2010 12:09 pm

One other issue - this just happened to my friend last year. She had rented a minivan that was damaged by an unknown object hitting the rear windshield during the night. The entire windshield was damaged and had to be taken out, piece by broken piece. This was the day before we were leaving, so we simply returned the car minus the rear windshield. I told her about the coverage from her credit card co. After a lot of negotiation, the cc paid for the charges from the rental company, EXCEPT for a charge of "loss of vehicle rental while being repaired". Which added up to over $100 dollars. SO....yes, the credit card will fill in for whatever your personal car insurance does not cover (and usually your personal car insurance covers liability and medical...but call them first) but it will NOT cover extraneous charges that the rental agencies tack on.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Thu Jun 03, 2010 7:57 pm

Some credit cards cover loss of vehicle and others don't. There is a post on here that discusses this: Credit Card Car Rental Insurance
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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