How Credit Card Rental Coverage Works
Credit card coverage typically:
• Covers damage to the rental vehicle
• Is secondary to other insurance
• Requires you to decline rental company CDW
• Requires full rental be paid with that card
• Has time limits (usually 15-31 days)
• Has geographic restrictions
Coverage does NOT include liability for injuries.
• Covers damage to the rental vehicle
• Is secondary to other insurance
• Requires you to decline rental company CDW
• Requires full rental be paid with that card
• Has time limits (usually 15-31 days)
• Has geographic restrictions
Coverage does NOT include liability for injuries.
Requirements for Coverage
To use credit card coverage:
• Pay for entire rental with qualifying card
• Decline rental company CDW/LDW
• Report accident to card issuer promptly
• Submit claim within required timeframe
• Provide required documentation
• Follow card's specific procedures
• Pay for entire rental with qualifying card
• Decline rental company CDW/LDW
• Report accident to card issuer promptly
• Submit claim within required timeframe
• Provide required documentation
• Follow card's specific procedures
Filing a Credit Card Insurance Claim
After an accident:
• Report to card's benefits administrator immediately
• Get claim forms and requirements
• Gather documentation (rental agreement, police report, repair estimates)
• Submit within required timeframe
• Follow up regularly on claim status
• Appeal if claim is denied
• Report to card's benefits administrator immediately
• Get claim forms and requirements
• Gather documentation (rental agreement, police report, repair estimates)
• Submit within required timeframe
• Follow up regularly on claim status
• Appeal if claim is denied