Credit Card Car Rental Insurance

[Yo ssi]

Any CC insurance covers broken windows from vandalism ?

I believe amex premium insurance

[davidd75]

The rental company doesn't sell it?
The big companies usually do

yes I know but is that the only option?

[lcm]

yes I know but is that the only option?

I have researched this a bit in the past,
I don't remember clearly, there may have been one random company that maybe sold liability, but wasn't any better/cheaper than the rental company's.
3rd party companies usually only sell cdw/ldw.

The options if you don't want to buy the company's liability are:
usually you can rely on your own.
If you don't have a car, you can take out a non-owners policy from a car insurance company. However, that isn't something you can/usually buy for a couple weeks, its a 6 month/year thing.
I don't think you can take a out q non-owners policy for just a month, and also once you have had a policy, it may not be good to go and not have any policy after that.

In some states, the rental company is obligated to have minimum liability coverage in general. That wouldn't necessarily help you since they could very well pass on the costs that would be occured in an accident to you nonetheless.

[davidd75]

I have researched this a bit in the past,
I don't remember clearly, there may have been one random company that maybe sold liability, but wasn't any better/cheaper than the rental company's.
3rd party companies usually only sell cdw/ldw.

The options if you don't want to buy the company's liability are:
usually you can rely on your own.
If you don't have a car, you can take out a non-owners policy from a car insurance company. However, that isn't something you can/usually buy for a couple weeks, its a 6 month/year thing.
I don't think you can take a out q non-owners policy for just a month, and also once you have had a policy, it may not be good to go and not have any policy after that.

In some states, the rental company is obligated to have minimum liability coverage in general. That wouldn't necessarily help you since they could very well pass on the costs that would be occured in an accident to you nonetheless.

I see thanks for the nice roundup!
This renter lives in Israel so I think she has even less options meaning I don't think her Israeli car insurance will cover her here and I am not sure if she can even get a non-owners insurance policy here in the US if she lives in Israel.  What I am also concerned is that she will get slammed with fees at the counter. She got a nice deal from these smaller companies who can be notorious for adding on costs and fees etc..... See below;  insurance info says full coverage but that is very misleading.  They may require her to show proof of CDW/theft/liability etc....

Supplier
One Switch Rent a Car
Pick-up
April 5, 2021, Monday, 5:00 pm
Miami International Airport (MIA)
Type Free shuttle service
Address 3256 NW 24th Street Rd, Miami, FL 33142
Business hours 06:01 - 22:59 (Monday)
Phone 001 3 056 146 131

Car details
Full-size Toyota Highlander or similar, FFAV/SFAR
7 seats, 4 doors, Air Conditioning, Automatic , Gasoline
Including: Airport surcharge, Vehicle registration fee, Energy recovery fee, VAT (value added
tax), Free modifications
Fuel policy: Full to full Mileage: 2000 miles per rental
Payment
Pay at pick-up 260.00 USD
Refundable Security Deposit 500.00 USD
Will be blocked on/taken from the main driver's credit card at pick-up. If there are no
charges, when dropping off the car, the deposit hold will be released or refunded.

Protection
Full Coverage (Limit 3600 USD) Covered
Refundable theft deductible
Damages to the car’s body and
undercarriage
Windshield, windows, mirrors,
wheels and tires
Towing expenses
Taxi expenses
Lost keys or lockout fees
Administration charges
Loss of use fees

[Yo ssi]

In some states, the rental company is obligated to have minimum liability coverage in general.

in every State except 2 IINM. A quick Google search can bring up that amount.

[davidd75]

in every State except 2 IINM. A quick Google search can bring up that amount.

except for Florida, CA and Ohio?

[shapsam]

The car rentals in Europe where it automatically comes with CDW (with a large deductible), do I still have coverage with the CSR or since I didn't decline from the rental company, Chase wouldn't cover CDW?

[Yo ssi]

The car rentals in Europe where it automatically comes with CDW (with a large deductible), do I still have coverage with the CSR or since I didn't decline from the rental company, Chase wouldn't cover CDW?

If you didn't decline then it won't cover.

[Freecountry]

if i use UR points through sapphire preferred card do i still get CDW coverage?

[Yo ssi]

if i use UR points through sapphire preferred card do i still get CDW coverage?

IINM yes

[Freecountry]

IINM yes

I thought so too but then I called chase and one person told me no and another told me yes

[jcgldr]

Hi
I have a car rental i drove over an object which ripped accros the bottom of the car(plastic cover and washer fluid pipe) will it be covered by the credit card CDW?
Meaning can they say its my negligence or something like that?

[shmoe joe]

When I took out my rental I didn’t have the credit card that has the premium insurance (only had my card that’s additional to my wife’s account) but I’m planning when I return my car to give my cc which does have premium insurance. Can I know extend my rental for more then 30 days and still be covered being that I’ll be paying with my cc?

[Platinum]

When I took out my rental I didn’t have the credit card that has the premium insurance (only had my card that’s additional to my wife’s account) but I’m planning when I return my car to give my cc which does have premium insurance. Can I know extend my rental for more then 30 days and still be covered being that I’ll be paying with my cc?

Car needs to be rented and paid for with the same cc to have coverage.

[HoKo]

if i use UR points through sapphire preferred card do i still get CDW coverage?

IINM yes

I thought so too but then I called chase and one person told me no and another told me yes

Yes, you are still covered. You can't depend on CSR's - they are notoriously unreliable sources of information. I'd recommend reading the terms from the benefits booklet yourself since those are the terms that will apply (even if some clueless CSR told you otherwise). I have the Reserve (not the preferred) so here are the relevant terms for the Reserve (I assume the CSP will have the same language but you should check for yourself):

[HoKo]

When I took out my rental I didn’t have the credit card that has the premium insurance (only had my card that’s additional to my wife’s account) but I’m planning when I return my car to give my cc which does have premium insurance. Can I know extend my rental for more then 30 days and still be covered being that I’ll be paying with my cc?

I'm confused by the question, so is your concern that you may run afoul of a duration-limit? What card are you proposing using?

[HoKo]

Hi
I have a car rental i drove over an object which ripped accros the bottom of the car(plastic cover and washer fluid pipe) will it be covered by the credit card CDW?
Meaning can they say its my negligence or something like that?

I don't think anyone on here is going to be able to answer that definitively, especially if you don't mention which card you used.

That being said, if you used the Sapphire Reserve for example their terms state: The Auto Rental Collision Damage Waiver benefit provides reimbursement for damages caused by theft or collision up to seventy–five thousand ($75,000.00) dollars.

So I think you'd have a fair chance of arguing that the damages resulted from a collision, and should therefore be eligible for coverage.

[av83]

Will any CC rental ins cover a 12 passenger van?

[Essen est zich]

Will any CC rental ins cover a 12 passenger van?

I believe amex premium does.

[Essen est zich]

As far as I know the fine print for cc coverage visa/Mastercard/amex don't cover any vehicle with more than 7 seats.