Author Topic: Credit Card Insurance - Links (Read 7632 times)

hocker · « **on:** October 18, 2012, 01:21:49 PM »

These links are for personal cards, unless noted otherwise.

Visa - http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html

MasterCard* - http://www.mastercard.us/card-benefits/RentSave_2.pdf

AmEx - http://corp.americanexpress.com/GCS/Intl/IDCEN/CorporateCards/Docs/CDWPRUSVIMMGRNEN.pdf

AmEx Premium - https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do

Discover - https://www.discover.com/credit-cards/member-benefits/security/travel-assistance/assets/More_Motiva_Miles_OpenRoad_Combined-Scheduled_Air_CDWDOC.pdf

Discover Escape - https://www.discover.com/credit-cards/help-center/escape-enhanced-tc.html#q3

*)Not all cards have coverage.

Drago · « **Reply #1 on:** March 21, 2013, 12:23:44 PM »

Total noob question here, but what's the best card to use when renting in the US (CA)?
Never rented in the US before.

sky121 · « **Reply #2 on:** March 21, 2013, 12:24:50 PM »

Quote from: Drago on March 21, 2013, 12:23:44 PM

Total noob question here, but what's the best card to use when renting in the US (CA)?
Never rented in the US before.

United gives primary.

hocker · « **Reply #3 on:** March 21, 2013, 12:27:24 PM »

Quote from: sky121 on March 21, 2013, 12:24:50 PM

United gives primary.

Which to Drago is probably no better than secondary.

meshugener · « **Reply #4 on:** March 21, 2013, 05:32:26 PM »

Quote from: Drago on March 21, 2013, 12:23:44 PM

Total noob question here, but what's the best card to use when renting in the US (CA)?
Never rented in the US before.

The best work out there: http://forums.dansdeals.com/index.php?action=dlattach;topic=4830.0;attach=1579

Drago · « **Reply #5 on:** March 23, 2013, 05:15:17 PM »

Quote from: meshugener on March 21, 2013, 05:32:26 PM

The best work out there: http://forums.dansdeals.com/index.php?action=dlattach;topic=4830.0;attach=1579

Thanks!
So to clarify, I shouldn't be paying for any additional insurance coverage, correct?

meshugener · « **Reply #6 on:** March 23, 2013, 10:38:37 PM »

Correct, IMO.

sky121 · « **Reply #7 on:** March 23, 2013, 11:27:17 PM »

Quote from: Drago on March 23, 2013, 05:15:17 PM

Thanks!
So to clarify, I shouldn't be paying for any additional insurance coverage, correct?

Unless you're driving a car not covered, nope.

dsw193 · « **Reply #8 on:** March 24, 2013, 12:16:17 AM »

If I have no primary will my cc (which is secondary) kick in as primary and cover everything within their pay limit?

hocker · « **Reply #9 on:** March 24, 2013, 12:32:30 AM »

Quote from: dsw193 on March 24, 2013, 12:16:17 AM

If I have no primary will my cc (which is secondary) kick in as primary and cover everything within their pay limit?

Obviously yes.

Drago · « **Reply #10 on:** April 06, 2013, 11:44:39 PM »

S/o said that renting in CA may have an impact of the insurance coverage of cc's. Is this true?
Otherwise, I intend to use my SP MC, and I assume that I'll have to pay no additional coverage.
Sounds correct?

Drago · « **Reply #11 on:** April 07, 2013, 12:09:48 AM »

And do I need to buy 'Liability only' insurance?
To clarify, I don't have any US insurance since I live in Israel.

Dan · « **Reply #12 on:** April 07, 2013, 01:46:31 PM »

Almost all credit cards are fine for CDW if you don't have your own CDW coverage.

For liability, you will only have the state minimum coverage if you don't take that out. You can be sued if you cause damage/injury/death and you'll only have the minimal mandatory coverage for that state.

SGF · « **Reply #13 on:** April 07, 2013, 01:54:06 PM »

Quote from: Dan on April 07, 2013, 01:46:31 PM

Almost all credit cards are fine for CDW if you don't have your own CDW coverage.

For liability, you will only have the state minimum coverage if you don't take that out. You can be sued if you cause damage/injury/death and you'll only have the minimal mandatory coverage for that state.

It was discussed recently that in CA there's no mandatory state minimum.

Dan · « **Reply #14 on:** April 07, 2013, 01:54:55 PM »

Well there ya have it, take out LI.

meshugener · « **Reply #15 on:** April 11, 2013, 12:34:09 PM »

www.nytimes.com/2013/04/06/your-money/for-car-renters-signing-on-the-electronic-tablet-may-mean-trouble.html?pagewanted=all&_r=0

sruly · « **Reply #16 on:** April 15, 2013, 12:49:01 PM »

Quote from: Dan on April 07, 2013, 01:46:31 PM

For liability, you will only have the state minimum coverage if you don't take that out. You can be sued if you cause damage/injury/death and you'll only have the minimal mandatory coverage for that state.

Does Canada (Toronto) have a some sort of liability insurance included ?

EDIT - I called hertz and they said all of their rates in Canada include liability insurance.

U-no-me! · « **Reply #17 on:** April 15, 2013, 05:02:41 PM »

Quote from: sruly on April 15, 2013, 12:49:01 PM

Does Canada (Toronto) have a some sort of liability insurance included ?

EDIT - I called hertz and they said all of their rates in Canada include liability insurance.

Up to what amount?

U-no-me! · « **Reply #18 on:** April 15, 2013, 05:05:52 PM »

Quote from: meshugener on March 21, 2013, 05:32:26 PM

The best work out there: http://forums.dansdeals.com/index.php?action=dlattach;topic=4830.0;attach=1579

Did you compile that?

meshugener · « **Reply #19 on:** April 15, 2013, 05:20:45 PM »

Quote from: U-no-me! on April 15, 2013, 05:05:52 PM

Did you compile that?

No, it comes from here: http://forums.dansdeals.com/index.php?topic=4830.msg196935#msg196935