Credit Card Car Rental Insurance

[clear thinker]

Where can I read about instructions what to do after damage to a car?
One of my additional card holder's had some damage done (I don't know the extent of it) to a rental using my/his Sapphire, now the rental claims he needs to bring a statement in his name.??

[eli.f]

Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

While I will try to contact the person who backed in to me, I'm wondering if there's anything else I can do, for now, or in the future?

Thanks

[Jeremiah]

Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

While I will try to contact the person who backed in to me, I'm wondering if there's anything else I can do, for now, or in the future?

Thanks

Dispute the charge?

[eli.f]

Dispute the charge?

Sounds like an idea.
On what basis? Cause I don't wanna pay it? 

[eli.f]

Hi,

Already used my CSP rental insurance twice within a month and a half.
Do you guys think it would be wiser to use a different card now? Anyone have experience with multiple claims on the same card?

[jediwho]

Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

How lengthy/difficult was it to deal with Chase/Visa? What steps did you take to get the $639.78 check from Visa?

[jediwho]

Hi,

Already used my CSP rental insurance twice within a month and a half.
Do you guys think it would be wiser to use a different card now? Anyone have experience with multiple claims on the same card?

Did you deal with CSP or Visa?

[eli.f]

How lengthy/difficult was it to deal with Chase/Visa? What steps did you take to get the $639.78 check from Visa?

Very easy. Filed online, uploaded some documents, received a request for some more, which in turn, were provided by the rental company and received an email that the check was in the mail.

Did you deal with CSP or Visa?

I believe the insurer is Visa. I filed here. (works for Visa and MC. also for some of my non-chase cards)

[jediwho]

primary coverage, longer & higher coverage

I thought some of Chase Visa cards (Ritz, Explorer, Sapphire, United Club) also offer primary coverage. So really, if someone has any of those cards, do you need to pay for Amex insurance?

[eli.f]

I thought some of Chase Visa cards (Ritz, Explorer, Sapphire, United Club) also offer primary coverage. So really, if someone has any of those cards, do you need to pay for Amex insurance?

No, you don't.
Plus, outside of your country of residence or if your insurance doesn't cover you (or if you don't have one), you don't need to pay either.
Although, maybe it's not always so easy to get one's money through Chase's insurance.

[bznt]

Does the csp insurance  cover a authorized user in Europe?

[yitrap]

Does the csp insurance  cover a authorized user in Europe?

As long as it's a country that has coverage it does, why would it be different then the US?

[jediwho]

No, you don't.
Plus, outside of your country of residence or if your insurance doesn't cover you (or if you don't have one), you don't need to pay either.
Although, maybe it's not always so easy to get one's money through Chase's insurance.

Has anyone here dealt specifically with Amex and/or Chase (not Visa)? How was the experience?

[eli.f]

Has anyone here dealt specifically with Amex and/or Chase (not Visa)? How was the experience?

Why would you deal with Chase? It all goes through Visa?

[jediwho]

Why would you deal with Chase? It all goes through Visa?

I think Chase offers some extra coverage over and above Visa on some of their premium cards. Not 100% sure though.

Also, even if they do, it could be that you deal with Visa directly and Chase has some sort of an arrangement with them.

[B.D.Da'ehu]

Does chase united explorer have any deductible when you file a claim for minor damages?

[eli.f]

Does chase united explorer have any deductible when you file a claim for minor damages?

No.
Never heard of a card that does.

[jediwho]

Does chase united explorer have any deductible when you file a claim for minor damages?

My understanding is (and I could be wrong) that when you have secondary insurance, the card picks up the deductible and after that it's your insurance company. In the Primary coverage (Explorer, ritz, club, etc.) , the credit card companies picks up most of the claim with some exceptions that have been discussed here.

[avadah]

Someone sideswiped my car in Israel with CSP insurance. Somebody told me I might need to get a police report. Is this true, or do I just walk in, tell them what happened and let them deal with it?

[eli.f]

My understanding is (and I could be wrong) that when you have secondary insurance, the card picks up the deductible and after that it's your insurance company. In the Primary coverage (Explorer, ritz, club, etc.) , the credit card companies picks up most of the claim with some exceptions that have been discussed here.

Secondary insurance will pay for anything your regular insurance won't pay. Primary will pay for everything. (Both are confined to the policy, which usually has a few exclusions)

Someone sideswiped my car in Israel with CSP insurance. Somebody told me I might need to get a police report. Is this true, or do I just walk in, tell them what happened and let them deal with it?

You only need a police report if a person was hurt, for a hit and run and for theft.
IME, you can just open a claim at eclaimsline.com, get all the docs from the rental company and you'll have a check in the mail in a short time.
Unless the insurance company decides to charge you for devaluation, which Chase's insurance excludes. There are no rules. Israeli rental agencies are know to be corrupt and outright criminals. One must be careful with them. If they do charge you for depreciation, you will have to sue the guy 'swiped' you. If you don't have his details, you could file a police report, but will likely have to pay for it yourself. Although, if it was just a swipe, it'll probably be a small amount.