Rental Car Insurance Rest assured that you have secondary car rental insurance with most Amex cards. Related reading: The different flavors of American Express Platinum — which one is right for you? Disclaimer: The responses below are not provided or commissioned by the bank advertiser. The information for the Amex Green and Amex EveryDay Preferred card has been collected independently by The Points Guy. Renting car with Amex Cars DMCC was never a problem. • Up to $10,000 of AD&D coverage per passenger ($40,000 for Florida Residents and $250,000 for California Residents).• Up to $15,000 per person of excess coverage for Medical Expenses.• Up to a maximum of $300,000 combined medical and AD&D coverage per car ($500,000 for California Residents). Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. You’ll need to log in to your American Express account, select the card you want to enroll, choose the plan you’d like and review the program’s terms and conditions. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. • Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. credit card that automatically provides primary car rental protection, credit cards offer primary car rental loss/damage insurance, The Blue Business®️ Plus Credit Card from American Express, Apply for the best credit card offers using the CardMatch Tool, Paying $500 in rental car damage — reader mistake story, When to buy travel insurance versus when to rely on credit card protections, Best credit cards for rental car coverage, Credit cards that offer elite status for car rentals. While most American Express credit cards don’t offer primary car rental coverage (though many offer secondary coverage), most will offer an optional Premium Car Rental Protection policy that provides primary coverage. What the Plan CoversThe $100,000 coverage level with a premium of $24.95 ($15.25 for Florida Residents and $17.95 for California Residents) covers:• Up to $100,000 of primary damage and theft coverage for the rental car.• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage ($250,000 for California Residents). Rewards Rewards. The $75,000 coverage level with a premium of $19.95 ($15.95 for California Residents) covers: • Up to $75,000 of primary damage and theft coverage for the rental car.• Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. (Up to $15,000 per person, maximum of $25,000 for Florida Residents). However, corporate cards (which are different than business cards) and card accounts issued by a third-party bank partner of American Express are not eligible for enrollment. To receive Amex rental car insurance, be sure to pay for the rental using your Amex card and reject the insurance offered by the rental agency. Otherwise, you’ll continue to be charged for coverage each time you rent a vehicle using an enrolled card. The different flavors of American Express Platinum — which one is right for you? New to The Points Guy? To validate your coverage, please call the number on the back of your Card. There’s another catch with this coverage: you need to decline the rental car company’s collision damage waiver. Ask AutoSlash for a Quote on a Cheap Car Rental. However, since the insurance is secondary, you’ll need to file with any other insurance you have first (such as your personal car insurance or travel insurance ). 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com. Travel Insurance; COVID-19 Travel Insurance FAQ; Travelers Cheques; Find a Travel Service Office; Global Assist Hotline; United States Change Country. They helped me a lot. To qualify, you must make one or more rentals through the Silvercar website or mobile app totaling $450 or more. Can save you quite a bit. When you have the Amex Premium rental car insurance option, it will be your primary policy. • Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. Then call the number on the back of your enrolled card as soon as reasonably possible to report the incident and begin the claim process. Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. National Emerald Club Executive status. The card details on this page have not been reviewed or provided by the card issuer. CAR RENTAL LOSS AND DAMAGE INSURANCE DESCRIPTION OF COVERAGE Underwritten by AMEX Assurance Company Administrative Office, 20022 N. 31st Ave. MC: 08-01-20 Phoenix AZ 85027 Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to … I read some place about AMEX PREMIUM CAR RENTAL PROTECTION. Primary coverage means that you don’t have to file with any other insurance before filing with American Express. ... the go and provided me with a new replaced car immediately. 239687) under a group policy of insurance held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. Image Credit: 4PM production via Shutterstock. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. US travelers join 20 other nations on the Philippines’ travel ban list, Blue Cash Preferred® Card from American Express, $19.95 ($15.95 CA residents, $12.25 FL residents), $24.95 ($17.95 CA residents, $15.25 FL residents), $10,000 ($40,000 for FL residents and $250,000 for CA residents), $5,000, up to $10,000 total ($15,000, up to $25,000 total for FL residents), Pick-up truck, cargo or passenger van and sport utility vehicle, Australia, Italy, New Zealand and any country on the Office of Foreign Assets Control sanctioned country list, Australia, Ireland, Israel, Italy, Jamaica, New Zealand and any country on the Office of Foreign Assets Control sanctioned country list, Vehicles that, after manufacture by the maker, have had any part customized or modified (except for driver’s assistance equipment for a physically challenged driver), Costs attributed to the rental company’s normal course of doing business and expenses assumed, waived or paid for by the rental company or its insurer, Damage that has occurred prior to possession of the rental car, Tires, unless other damage occurs to the rental car from the same accident or theft of the entire rental car occurs, Defect in the manufacture of the rental car, Depreciation, unless reimbursement for depreciation is required by law, Wear and tear, including such effects caused gradually over time, Any property other than the rental car and personal property, Animals, furniture, art, money, securities, tickets or documents, Items left in the rental car after the cardmember or authorized driver has relinquished possession, Any injury, except coverage for a covered person described under the accidental injury expense benefit and accidental death or, Any injury or physical condition of a covered person existing before an accident, Violation of the rental agreement with the rental company, Acts by a covered person to intentionally damage or injure, Consumption of alcohol at or in excess of the legal blood alcohol level for operating a motor vehicle in the state or locality in which the accident occurred, Being under the influence of any drug unless taken as prescribed or administered on the advice of a physician or dentist, War or act of war, whether declared or undeclared, Actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination, Freezing and mechanical breakdown or electrical failure, except where it results from theft, The rental car being left unattended and unlocked or a window not completely closed, Violation of criminal law, or commission of a criminal act, whether cited or charged, by or behalf of the covered person, Participation in a riot, civil disturbance or insurrection, Suicide, attempted suicide or intentionally self-inflicted injury while sane, Failure of the cardmember or authorized driver to surrender all the vehicle keys following possession, A rental car used outside the rental territory authorized by the rental company, A rental car used for any manner of racing or team sport, A rental car used for hire, whether for hire to carry persons or property, You’re renting a pick-up truck, cargo van, passenger van or sport utility vehicle and none of your cards offering primary car rental insurance cover this type of vehicle, You need to rent a vehicle for up to 42 days and none of your cards offering primary insurance cover a rental of the length you need, You value the medical expense benefit and property loss benefit, both of which provide secondary coverage but aren’t included in the benefits provided by most credit cards, Itemized bill for repair or replacement of the rental car or item, Report from law enforcement agency, such as a police report, Copy of all claim documents and correspondence provided by the rental company, Copy of the written rental agreement with the rental company, Death certificate and/or itemized medical bills and medical records, Signed authorization to obtain medical records, Documentation from the rental company indicating that the covered person was responsible for the damages or loss, Receipts or proof of ownership for the stolen or damaged item. 5,000 per person of excess coverage for personal property, maximum of $ 25,000 for Florida Residents.! 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