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There are no Credit Cards that will cover Liability.
Visa, Amex, MasterCard and Discover will cover Loss Damage Waiver / Collision (CDW/LDW)

Cards that cover CDW/LDW in Israel:
Chase: Sapphire Preferred ($95 annual fee)
American Express Gold $195AF
Discover (accepted in Israel as Diners' Club): More, Open Road, Miles, Motiva (none have annual fees)   Policy link

You must present at the time of rental a copy of your policy or a document from the CC company stating that the insurance coverage applies to Israel . You will still have to purchase 3rd Party Liability, but you will save some shekels and have no deductible for damages.

Visa phone number : 800-VISA-911

Visa does NOT cover:
  • Cadillac Escalade
  • Mercedes GL series (they do cover GLK)
  • Mercedes E class
  • Corvettes
  • Camaro ZL1

AMEX premium will charge $24.95 per rental and they cover:
  • Up to $100K for damage or theft and accidental death or dismemberment coverage ($250,000 for California residents), up to $15,000 for excess medical expenses per person, and up to $5,000 for excess personal property coverage ($15,000 for Florida residents)
  • Any car from Mercedes, pickup trucks, Porsche and 15 passenger vans.
  • There's no need to pay for the full amount with money, even if it's with points or coupon rental and you pay just $2 fees they will still cover you.

Those that do NOT have a credit card insurance, here is an alternative:  https://worldwideinsure.org.

Author Topic: Credit Card Car Rental Insurance  (Read 309033 times)

Offline Yammer

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Re: Credit Card Car Rental Insurance
« Reply #980 on: January 19, 2018, 01:10:03 AM »
You don't need the law to dictate that, if the rental company allows, its covered as well.
It definitely depends on the state... I'll need to search it

Offline Yammer

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Re: Credit Card Car Rental Insurance
« Reply #981 on: January 19, 2018, 01:21:21 AM »
You don't need the law to dictate that, if the rental company allows, its covered as well.
It definitely depends on the state... I'll need to search it
Here's from Enterprise

https://www.enterprise.com/en/help/faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver provided they meet minimum age and driver's license requirements

Alamo

https://www.alamo.com/en_US/car-rental-faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver as long as age and driver's license qualifications are met.



That being said I do remember being told in NY that a spouse can drive as well.

Offline sag95

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Credit Card Car Rental Insurance
« Reply #982 on: January 19, 2018, 04:06:46 AM »
If I redeem UR points for a car rental any way to still get coverage from CC?
I'm considering renting a car using UR points. Because I'm not paying with a CC, they obviously won't insure the rental. Will my regular insurance cover both collision and liability?

Just saw this. I believe you will still get the coverage of the card if you booked with UR from that account. Send an SM to make sure.

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #983 on: January 19, 2018, 08:09:05 AM »
Just saw this. I believe you will still get the coverage of the card if you booked with UR from that account. Send an SM to make sure.
I believe so to, no reason to SM, check the terms it should be in there.
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Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #984 on: January 19, 2018, 08:14:44 AM »
Here's from Enterprise

https://www.enterprise.com/en/help/faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver provided they meet minimum age and driver's license requirements

Alamo

https://www.alamo.com/en_US/car-rental-faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver as long as age and driver's license qualifications are met.



That being said I do remember being told in NY that a spouse can drive as well.
An example of what I was saying: With Hertz, IINM any gold member can have their spouse drive too, in that case the spouse will be covered too. No matter if the law dictates that one's spouse can drive, or not.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline politicsmart

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Re: Credit Card Car Rental Insurance
« Reply #985 on: January 19, 2018, 12:01:09 PM »
Is chase sapphire preferred a primary insurance or secondary insurance on a car?

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #986 on: January 19, 2018, 12:06:40 PM »
Is chase sapphire preferred a primary insurance or secondary insurance on a car?
Primary
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Offline Buruch

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Re: Credit Card Car Rental Insurance
« Reply #987 on: January 21, 2018, 08:40:43 AM »
If a business owner has a CSR and gives out au cards to employees to use on rentals, and the business pays off the card, is the car covered under collision coverage, or does it not apply because it's a business use on a personal card?

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #988 on: January 21, 2018, 08:42:48 AM »
If a business owner has a CSR and gives out au cards to employees to use on rentals, and the business pays off the card, is the car covered under collision coverage, or does it not apply because it's a business use on a personal card?
It'll be covered, but T&C likely state otherwise, so it may not be smart to say that's what it's for.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Buruch

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Re: Credit Card Car Rental Insurance
« Reply #989 on: January 21, 2018, 08:49:49 AM »
It'll be covered, but T&C likely state otherwise, so it may not be smart to say that's what it's for.

I saw on the website that it covers for personal use, but the t&c say nothing about using for business and getting reimbursed

Offline politicsmart

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Re: Credit Card Car Rental Insurance
« Reply #990 on: January 22, 2018, 07:43:26 PM »
Primary
So to make sure. I have insurance on my own car and I ranted now a car with my chase sapphire preferred (not the reserve card ) and the side mirror got broken will they charge the credit card or my insurance? Will it go on my records by the insurance company?

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #991 on: January 22, 2018, 07:44:33 PM »
So to make sure. I have insurance on my own car and I ranted now a car with my chase sapphire preferred (not the reserve card ) and the side mirror got broken will they charge the credit card or my insurance? Will it go on my records by the insurance company?
You have to file a complaint with the credit card company to pay.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline politicsmart

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Re: Credit Card Car Rental Insurance
« Reply #992 on: January 22, 2018, 07:46:33 PM »
You have to file a complaint with the credit card company to pay.
Need to file the complaint before I give back my car?

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #993 on: January 22, 2018, 07:47:16 PM »
Need to file the complaint before I give back my car?
No, you need to file with the rental company first.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

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Re: Credit Card Car Rental Insurance
« Reply #994 on: January 22, 2018, 07:48:07 PM »
No, you need to file with the rental company first.
Thanks

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Re: Credit Card Car Rental Insurance
« Reply #995 on: January 23, 2018, 12:59:31 PM »
No, you need to file with the rental company first.
Do I need a police report or could I just tell them the story?

Offline davidrotts63

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Re: Credit Card Car Rental Insurance
« Reply #996 on: January 23, 2018, 01:00:43 PM »
Do I need a police report or could I just tell them the story?
For the CC company you officially need it, not for the rental company.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

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Re: Credit Card Car Rental Insurance
« Reply #997 on: January 23, 2018, 02:04:18 PM »
For the CC company you officially need it, not for the rental company.
Are you sure?

I've never filed a Police report for the CC insurance.

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Re: Credit Card Car Rental Insurance
« Reply #998 on: January 23, 2018, 02:05:21 PM »
Are you sure?

I've never filed a Police report for the CC insurance.
"Officially" with both chase and Amex, I haven't seen anyone have a problem with Chase, with Amex I've seen.
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Re: Credit Card Car Rental Insurance
« Reply #999 on: January 23, 2018, 02:09:22 PM »
"Officially" with both chase and Amex, I haven't seen anyone have a problem with Chase, with Amex I've seen.
So what happens if when returning they see a scratch. Your supposed to call the cops?