Step-by-Step Claims Process
1. Report to card issuer immediately (within 24-48 hours)
2. Request claim form and requirements
3. Gather all required documentation
4. Complete claim form thoroughly
5. Submit within deadline (usually 30-60 days)
6. Follow up on claim status
7. Provide additional information if requested
8. Appeal if claim is denied
2. Request claim form and requirements
3. Gather all required documentation
4. Complete claim form thoroughly
5. Submit within deadline (usually 30-60 days)
6. Follow up on claim status
7. Provide additional information if requested
8. Appeal if claim is denied
Required Documentation
You'll typically need:
• Rental agreement
• Police report (if applicable)
• Accident report from rental company
• Repair estimate or invoice
• Photos of damage
• Credit card statement showing rental charges
• Statement declining CDW
• Your other insurance information
• Rental agreement
• Police report (if applicable)
• Accident report from rental company
• Repair estimate or invoice
• Photos of damage
• Credit card statement showing rental charges
• Statement declining CDW
• Your other insurance information
Common Reasons for Claim Denial
Claims may be denied for:
• Missing the filing deadline
• Not declining rental company coverage
• Rental exceeding time limits
• Prohibited vehicle types
• Unauthorized drivers
• Excluded locations or activities
• Incomplete documentation
• Missing the filing deadline
• Not declining rental company coverage
• Rental exceeding time limits
• Prohibited vehicle types
• Unauthorized drivers
• Excluded locations or activities
• Incomplete documentation