Car Rental Loss and Damage Insurance pdf

Car rental loss and damage insurance american express

Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to or Theft of most Rental Vehicles when the Card Member uses the Card to pay for the Entire Rental from any Rental Company. 

Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance. Coverage is worldwide except for vehicles rented in Australia, Italy, New Zealand and any country on the Office of Foreign Assets Control (“OFAC”) sanctioned country list. Coverage will be voided if a Rental Vehicle is rented in any country on the OFAC sanctioned country list. This Plan does not provide insurance for personal liability, uninsured/underinsured motorists, personal injury protection, worker's compensation injuries, disability benefits of any kind, any coverage mandated by government or any other form of insurance coverage except as specifically described in this Description of Coverage. INDEX Definitions Section I Eligibility and Coverage Activation Section II Description of Benefits Section III Exclusions Section IV Claims Process Section V General Provisions Section VI Termination or Cancellation Section VII Important Additional Information for You Section VIII I. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Accident means a motor vehicle incident that results in Damage to the Rental Vehicle. Account means Your American Express® Card on which the record of the charge for the Entire Rental is made. Additional Card Member means a person who has received an American Express Card at the request of a Basic Card Member for use in connection with the Basic Card Member’s Account. Authorized Driver means a person listed on the Rental Agreement between the Card Member and the Rental Company, at the time the Card Member takes possession of the Rental Vehicle, who is permitted to operate the Rental Vehicle according to the terms of the Rental Agreement. Basic Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has an Account. Card Member means a person who has been issued a United States of America based proprietary American Express Card, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Card Member must rent the Rental Vehicle, sign the Rental Agreement with the Rental Company and take possession of, or permit an Authorized Driver to take possession of, the Rental Vehicle

Extract :
Who is Eligible to Receive Benefits You are eligible to receive benefits in accordance with this Description of Coverage if: 1. You are a Basic Card Member or Additional Card Member; 2. You were the person who signed the Rental Agreement; 3. You maintain your Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands; and 4. You have fully activated coverage. How to Activate Coverage Coverage for Theft of or Damage to an eligible Rental Vehicle is activated when: 1. You decline the full collision damage waiver (CDW) or similar option, or pay for a partial collision damage waiver, offered by the Rental Company; 2. You or the Authorized Driver is named on the Rental Agreement as the person renting and take control and possession of the Rental Vehicle; and 3. You use Your Account, American Express Membership Reward Points and/or American Express Pay with Points to hold or place a deposit at the time the rental is checked out and to pay for the Entire Rental from the Rental Company. Coverage will not be activated if You pay for any portion of the Rental Vehicle by some other means.

Car rental loss and damage insurance american express

Does rental car insurance cover loss of use? 
If you damage a car and it has to get repaired, you compensate the company for what it would have made as a rental if the vehicle had been available. ... Some car rental coverage, particularly the kind offered on your credit card or through your car insurance policy, doesn't cover loss of use. ( Source)

How long will insurance pay for rental car after total loss? 
Typically, insurance companies will pay for your rental car for the period of time your car is being repaired, or if your vehicle is a total loss, for 72 hours after they make an offer of settlement to you for your vehicle. ( Source)

How do I get out of rental car damage? 
The rental car company may or may not offer a description or proof of the damage. Now you have three options: You can pay up, hand the claim off to your auto insurance company or credit card company, or reject the claim.  ( Source)

What happens if you damage a rental car without insurance? 
If the accident was your fault, you're responsible for damage to the rental car and for any liability issues. In the event you are not at fault, your rental company will work directly with the other driver's insurance company. ... Note that it is usually illegal to drive a rental car without any insurance coverage. ( Source)