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Amex car rental insurance claim

Renting a car? Know whether your card adds insurance

Benefits may let you refuse costly collision damage waiver coverage

By Michelle Crouch

Ga car insurance quote Nicolette Neish/iStock /Getty Images Plus/Getty Images Uk car insurance camera Nicolette Neish/iStock /Getty Images Plus/Getty Images

You’re standing at the car rental counter, anxious to get on your way, but first you have to deal with the representative who’s pushing you to sign up for the agency’s car rental insurance “just in case.”

Should you?

Most Americans have no idea what to do when offered collision damage waiver (CDW), the expensive add-on coverage offered – often forcefully – by rental car agents. Given the tricky exclusions listed in the fine print of most credit card policies, chances are, they’re even more confused about what their credit cards cover.

We have answers to your big questions – and the questions you need to ask – so you can make an informed decision about whether to pay for the rental company’s coverage the next time you rent a car.

What does my personal auto insurance cover?
If you own a car, your personal car insurance will likely provide collision and theft coverage, says Michael Barry, spokesman at the Insurance Information Institute, but the coverage isn’t perfect. Most auto insurers won’t cover you if you rent a car overseas, for example, or if you’re using the rental for business. So it’s important to call and ask about exclusions. Many policies also decline to pay some of the additional fees that rental car companies typically tack on to the collision bill, potentially leaving you on the hook for hundreds of dollars. Not to mention that you’ll be responsible for paying the deductible. So that’s where your credit card comes in.

What does my credit card cover?
As a perk of membership, many credit cards offer some kind of rental car protection. Generally speaking, they do not cover things such as personal injury or personal liability, although you may have that coverage through your auto insurance and health insurance. But they do typically cover collision damage and theft protection.

For most cards, the coverage is secondary, meaning that if you have car insurance, you have to file a claim there first (and your premium may go up). But your credit card should step in and pick up where your auto insurer leaves off, paying the tab for your deductible, towing charges and other fees. However, as many frustrated cardholders have learned, the fine print can be tricky. Credit card companies have their own restrictions and exclusions and they, too, often refuse to pay some types of fees levied by car rental companies.

For all those reasons, it’s important to check your coverage in advance. For details, see “Which cards are best for renting a car."

When car rental companies are almost out of cars, they may think they’re doing you a favor by giving you a Mercedes instead of the big Ford or Chevrolet you reserved. But because the Mercedes is valued at over $50,000, it may not be covered.

– Jim Tennant
The Tennant Group

Do any cards offer primary coverage?
If you have a card with primary coverage, that’s the one you should use to book your car, says Jonathan Weinberg, founder of AutoSlash, an online booking engine for car rentals. “Then you don’t have to report the accident to your car insurance,” he says, “so there’s no chance your rates will rise.” Only a few cards offer primary coverage. As of October 2015, they include: the United Mileage Plus Explorer, United MileagePlus Club, Fairmont Visa Signature, Discover Escape, Ritz Carlton Visa Signature and the Chase Sapphire Preferred card.

If you have an American Express card, you can get primary coverage by enrolling in the company’s premium rental car protection program. Once enrolled, you pay a flat rate of $19.95 to $24.95 ($15.95 to $17.95 for California residents) per rental. The program, which also includes some property damage and injury coverage, can make sense for longer-term rentals, Weinberg says, since you would pay one fee per rental rather than a daily rate like the one charged by rental car companies.

If you don’t have personal auto insurance or if you’re renting a car in a country where your personal auto insurance isn’t in effect, then any card that offers secondary coverage becomes primary, so it should theoretically cover the entire cost of the damage.

What do I need to do to make sure I’m covered?
Most credit cards require that you do the following in order for their coverage to kick in:

  • Decline the rental company’s collision damage waiver (CDW/LDW).
  • Be the primary renter of the car.
  • Pay for the car in full with the card that provides the protection.

Before you rent, Barry of the Insurance Information Institute recommends you ask your card issuer to send you its rental car policy in writing “because that will make it easier to resolve any disputes down the line.” Check for the following common exclusions to make sure they don’t apply to your situation:

Exclusion No. 1: Length of the rental
Most credit cards won’t cover car rentals that extend beyond 30 or 31 days; some have just a two-week limit. If you’re planning a long-term rental, you can break up your rental period into shorter chunks of time to make sure you stay covered. The chart below provides some general limits by issuer. Individual cards may vary, so always check by calling the number on your card.

MAXIMUM LENGTH OF COVERAGE
American Express 30 days (its premium program covers you up to 42 days if you pay the higher rate)
MasterCard 31 days for World and World Elite; 15 days for other types
Discover 31 days (45 if you’re the employee of an organization that provided the card for business use)
Visa 15 consecutive days in your country of residence; 31 days outside

Exclusion No. 2: All vehicles aren’t covered
Most credit card companies exclude trucks, pickup trucks, antique and exotic vehicles, ATVs, motorcycles and large vans and SUVs that seat more than a certain number of passengers (usually seven or eight). But car rental consultant Jim Tennant of the Tennant Group says the exception that tends to cause the most trouble is the limit on expensive cars, since rental agencies are offering more luxury cars than they used to. “When car rental companies are almost out of cars, they may think they’re doing you a favor by giving you a Mercedes instead of the big Ford or Chevrolet you reserved,” Tennant says. “But because the Mercedes is valued at over $50,000, it may not be covered.”

Both MasterCard and Discover specifically note that they won’t cover a car worth more than $50,000; Visa says it doesn’t cover “expensive” cars, and AmEx says its coverage varies by card. If you are planning to rent a luxury car, AmEx’s premium coverage specifically notes that it covers cars worth more than $50,000.

Exclusion No. 3: Some countries aren’t covered
Many card companies have specific countries that are excluded. Check the chart below, but also call your card issuer before you go:

COUNTRY EXCLUSIONS
American Express Ireland, Israel, Jamaica, Italy, Australia and New Zealand
MasterCard Ireland, Israel and Jamaica, and where prohibited by law (World and World Elite have no exclusions)
Discover Escape card: Australia, Ireland, Israel, Jamaica, and New Zealand. No other card has country exclusions
Visa Ireland, Israel,Jamaica, Northern Ireland

If you’re traveling to those places, consider using one of these cards, which have no country exclusions: most MasterCard World and WorldElite cards, Discover cards (except Escape), most Citi travel cards (including Thank You Preferred and AAAdvantage) and all Chase cards.

Weinberg recommends taking a written copy of your credit card rental car policy when you rent outside the U.S. Overseas rental agencies often require you to pay for their CDW unless you have documentation showing other coverage.

Are there other exclusions I should be aware of?
Read the fine print. Some policies won’t cover you if you drive on unpaved or gravel roads; others won’t cover you if you wait too long to file a claim. Also, make sure anyone who may drive the car is listed on the rental contract. “If you rent a car in your name and then your spouse is driving and has an accident, companies will use that as a way to deny coverage,” Weinberg says.

If I have full coverage, will I be responsible for any extra fees?
Unfortunately, it’s possible. Rental car agencies often charge “loss-of-use” fees to cover the revenue they lose while a damaged car is in the shop, and those fees can total hundreds of dollars.

American Express, MasterCard and Visa (but not Discover) say they will pay those fees as long as the rental car agencies provide documentation, usually a “fleet utilization log,” verifying they actually lost money because the damaged car was out of service. Here’s the problem: rental companies consider those logs confidential; they argue that, legally, they don’t have to provide them. So while your rental company and credit card company play the blame game, you can end up on the hook for the bill. (Note: In some states, such as New York and Wisconsin, car rental companies aren’t allowed to charge loss-of-use fees. In others, auto insurers are required by law to pay those fees.)

What about car-share services?

American Express, MasterCard and Discover say their rental car coverage extends to car sharing services such as Zipcar and Getaround under the same terms and conditions as normal rental cars. Visa initially said its coverage did not extend to those services, but changed its policy in March 2015 after it settled a class-action lawsuit filed by a Zipcar user who was denied coverage.

Fortunately, credit card companies have become more willing in recent years to pay loss-of-use fees, rental car claims administrators say. Some now accept repair estimates as documentation instead of fleet utilization logs. “They’ve created standards to determine how much they’ll pay based on the repair cost," says Andrew Sutter, president of damage-recovery company Total Fleet Solutions. “So maybe four hours of damage repair equals one day of loss of use that they’ll pay."

In addition to loss of use, rental companies may charge two other fees that may not be covered: administrative fees and “diminution-in-value” or diminished value fees, designed to cover the inherent loss of value to the car because it’s been damaged. “Most credit card companies have a cap on administrative fees, and almost none of them pay diminished value,” Sutter says. “I am still having to go back and bill the customer sometimes when we’ve exhausted every other avenue with the credit card company. "

Are some card companies more willing than others to pay those extra fees?
Rental car claims administrators in three different states told CreditCards.com that Visa is the most willing to pay up, followed by American Express. “Visa without a doubt will pay loss of use, and that’s not always the case with MasterCard and AmEx," says Coppere Williams, senior claims specialist at Khoury-Alternative Claims Management, a damage-recovery company based in San Antonio. “They will also cover an administrative fee without batting an eye. They are very reasonable."

What should I do if I’m billed for those fees?
Start by asking the rental car company if it would be willing to waive the fees. Rental car claims administrators sometimes agree to drop some charges if they’ve been paid for everything else. Then go to your insurer and credit card company, emphasizing what a good customer you’ve been. “If you put enough pressure on them,” Weinberg says, “they’ll usually pay out in the end.”

So should I get the rental car insurance or not?
As always, you will have to weigh the risks and benefits. Despite the many exceptions and exclusions, it is possible to get full coverage through your personal auto insurance and credit card, but you’ll need to choose your card carefully, read the fine print and be willing to fight for coverage of any fees. But if all you want is peace of mind, and you don’t mind the expense, the rental car company CDW/LDW coverage may be the way to go.

See related: Renting a car with debit or cash? Expect to try harder

Updated: March 17, 2017

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The question arises every time you rent a car: Do I really need rental car insurance?

Many rental agencies offer damage waivers for about $15 to $25 a day, selling peace of mind along with expanded coverage. But these waivers are often no better than the coverage you already have with your favorite credit card.

Depending on where you rent, the rental company’s liability for injury or property damage may be anywhere from $25,000 to $50,000. This could still leave a big bill for you to pay, but your credit card may also step in — sort of. All four major card networks offer rental insurance, but vary substantially in benefits and requirements.

In some cases, car-rental customers may want to purchase full coverage from the car-rental company to avoid the hassle of making a claim or reporting an accident to their primary insurer and the credit card issuer. Make sure you’re comfortable with that process before relying on your credit card’s secondary coverage.

You can also get primary coverage for your car rentals with these two credit cards:

Audi car insurance claims Learn More The Chase Sapphire Preferred® Card is one of the Nerds’ favorite travel cards, so it helps that it offers primary rental car insurance at no extra cost. You’ll earn 2 Ultimate Rewards points per dollar spent on travel and dining and 1 point per dollar spent on everything else. Plus, the card has one of the most valuable sign-up bonuses on the market: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.

It has an $0 for the first year, then $95 after that, and doesn’t charge a foreign transaction fee.

Budget direct car insurance phone Learn More If you’re a loyal United flyer and often rent cars, the United MileagePlus® Explorer Card might be the right choice for you. It offers 2 miles per dollar spent on United tickets and 1 point per dollar on all other purchases, plus a decent sign-up bonus: Special offer: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

The United MileagePlus® Explorer Card has a $95 annual fee and no foreign transaction fees. You and a companion traveling on your reservation will also get your first checked bag free when you pay with the card, saving you up to $100 per roundtrip.

What to know about credit card rental coverage

Before we review the rental car insurance benefits offered by each network, you should know that:

  • Generally, your credit card offers secondary rental insurance. This means that it will only pay for the cost of certain damages not covered by your regular car insurance policy.
  • As the cardholder, you must book the rental car with your credit card under your name to receive coverage. Only carrying a card that offers rental car insurance isn’t sufficient.
  • Typically, you must refuse the coverage offered by the rental car agency to receive rental car insurance benefits from your credit card. We’ll discuss exceptions to this general rule below.
  • This article applies to consumer credit cards. While many business credit cards offer rental car insurance, coverage levels could be substantially different from the benefits described below.
  • Cards in the same network may have varying levels of coverage. Some issuers don’t offer rental car insurance at all, while others set terms that differ from the network standard. Call your bank or check your card’s benefits statement to learn more about your specific card’s benefits.

Nerd note: Much of the information discussed in this article is a compilation of resources available online. However, some of it was obtained through phone calls to customer service hotlines. It’s important to contact your card’s issuer to verify its coverage policy before you rent a vehicle. Here are some important terms to know before you call:

  • Loss of use: The cost of renting another car while the original is out of commission.
  • Fully utilized: Generally, this term describes when 80% of a rental company’s cars are in use. A card network may cover loss of use only if the auto rental company’s fleet is “fully utilized.”
  • Diminished value: The amount that the rental car’s resale value decreases. This cost is usually relatively small, unless you manage to significantly damage the car without totaling it.
  • Antique cars: Usually defined as a car made at least 20 years ago or one that has been out of production for 10 years. All networks exclude coverage of such vehicles.
  • Vans: As a general rule, personal-use vans that seat eight people or fewer are covered. However, some waivers specifically exclude certain SUVs, and almost all exclude cargo vans.

Benefits by network

Visa, MasterCard, American Express and Discover all provide rental car insurance above and beyond what your primary insurer and rental company will offer. Here’s a quick overview of each network’s benefits and limitations:

Visa: Visa is often touted for its excellent rental car insurance benefits, mostly because it’s widely available for cardholders. Unlike many other networks, it offers rental car insurance on all of its cards — standard, Signature, rewards, the works. However, it limits its rental car coverage period to only 15 consecutive days domestically and 31 consecutive days abroad.

MasterCard: Its benefits are similar to Visa’s. However, rental car insurance is not offered on all cards, and it limits its coverage period on all rental cars to 15 consecutive days or fewer. According to customer service, it’s available only on Platinum, Gold, World and World Elite cards.

American Express: American Express is the only network to offer premium coverage for a small fee. It offers free secondary coverage up to $50,000 ($75,000 on The Platinum Card® from American Express and the Delta Reserve Credit Card), but will offer primary coverage with a higher limit and protection against injury and property damage if you choose it.

Discover: Discover’s coverage is limited to a handful of cards. Unlike the other three networks, Discover doesn’t cover loss of use fees, only collision damage up to a $25,000.

Network-by-network comparison

Visa and MasterCard

Both Visa and MasterCard emphasize that their terms vary by issuing bank. Again, check with your particular card’s issuer before renting your vehicle.

Benefit Visa MasterCard
Offered on All cards Gold, Platinum, World and World Elite
Rental period 15 consecutive days domestic/31 abroad 15 consecutive days
Must decline rental insurance? Yes Yes
Vehicle value Not specified $50,000 or less
Includes Physical damage, theft, loss of use*, towing Physical damage, theft, loss of use*, towing
Excludes Injury, liability, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear
Primary or Secondary? Secondary Secondary
Drivers covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, trucks, pickups, RVs, motorcycles, ATV’s, limousines and certain vans
Excluded countries Ireland, Northern Ireland, Israel, Jamaica Maybe Italy, New Zealand, Australia, Ireland, Israel, Jamaica (Contact your vehicle rental agency before traveling)
Excluded SUVs/vans Vans with more than 8 seats Sport utility trucks (i.e. Chevy Avalanche, GMC Envoy, etc.), full-size vans
Max coverage Not specified $50,000
Max loss of use* Not specified Not specified
Report/file claim within 45 days 30 days
Source Visa MasterCard benefits and a call to customer service

*To be compensated for loss of use, the rental company must prove that the fleet is “fully utilized.” Most rental agencies won’t bother, so your chances of getting this benefit aren’t very high.

American Express

American Express has various exemptions for students, Californians and Floridians, see below for the details.

Benefit American Express Basic American Express Platinum American Express Premium
Offered on All cards The Platinum Card® from American Express and other Platinum-branded AmEx cards, Delta Reserve Credit Card All cardholders can purchase
Rental period 30 consecutive days from the same rental company, or 30 consecutive days out of a 45-day period within the same geographic location (75-mile radius) from any rental company 30 consecutive days from the same rental company, or 30 consecutive days out of a 45-day period within the same geographic location (75-mile radius) from any rental company 42 days (30 in Washington State)
Must decline rental insurance? Decline full coverage, can accept partial collision damage waiver
Vehicle value <$50,000 <$75,000 Not specified
Includes Physical damage, theft, towing, storage, loss of use Physical damage, theft, towing, storage, loss of use, certain medical expenses for accidental personal injury, AD&D, personal property Physical damage, theft, towing, storage, loss of use, certain medical expenses for accidental personal injury, AD&D, personal property
Excludes Injury, liability, property damage, diminished value, taxes, wear and tear
Primary or secondary? Secondary Secondary Primary (accidental personal injury and personal property benefits are secondary)
Drivers Covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, trucks, pickups, cargo vans, custom vans, full-size vans, vehicles used for commercial purposes, antique cars, off-road vehicles, RVs, motorcycles, etc. Trucks, pickups, cube vans, box trucks, leased vehicles, customized vehicles, antique cars, limousines, off-road vehicles, motorcycles, RVs, etc.
Excluded countries Ireland, Israel, Jamaica, Australia, Italy, New Zealand
Excluded SUVs/vans Full-size sports utility vehicles (i.e. Chevy/GMC Suburban, Tahoe and Yukon, etc.), vans with more than 8 seats N/A
Max car coverage $50,000 $75,000 $24.95 plan: $100,000
Max medical expenses per person N/A $5,000 $24.95 plan: $15,000 per person,
Accidental death and dismemberment: $100,000
Max personal property damage or theft N/A $1,000/person, max $2,000 $24.95 plan: $5,000/person, $10,000 max
Max loss of use Not specified
Report/file claim within As soon as reasonably possible/60 days
Source AmEx AmEx AmEx

American Express Exemptions

Students: A Personal, Gold or Rewards Plus Gold cardholders who are enrolled in an accredited four-year college or graduate program in the United States, and are receiving student benefits provided by card membership, are ineligible.

California: Maximum coverage costs $17.95 for:

  • $100,000 car damage
  • $250,000 accidental death and dismemberment
  • $15,000/person medical expenses
  • $5,000/person property damage, maximum $10,000 overall

Florida: Property damage is capped at $15,000 per person, $25,000 overall.

Discover

Benefit Discover Discover Escape
Offered on Discover® Motiva Card, Discover® Open Road Card, Discover® More® Card Escape by Discover® Card
Rental period 31 days, 45 for employees using business credit card 31 days
Must decline rental insurance? Yes Yes
Vehicle value <$50,000 <$50,000
Includes Collision or upset only Physical damage, theft, towing
Excludes Theft, any damage not due to a collision, injury, liability, property damage, taxes, damages to other vehicles, wear and tear, loss of use Injury, liability, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear
Primary or secondary? Secondary Primary (under certain conditions)
Drivers covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, trucks, pickups, RVs, motorcycles, off-road vehicles, mini-buses
Excluded countries Valid in any country that accepts Discover Ireland, Israel, Jamaica, Australia, Italy, New Zealand
Exclude SUVs with more than Doesn’t specify seat exclusions, but doesn’t cover all vehicles Sports utility trucks, vans with more than 9 seats
Max coverage $25,000 $50,000
Max loss of use N/A N/A
Report/file claim within File claim in 90 days 30 days
Source Discover Discover

Image via iStock.

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Credit union car insurance uk

Before you hit the road in your rental car, check whether you really need that extra insurance. Photo: Aurelio Firmo

Your bags are packed, you’ve found a sitter for the dog, and you’ve suspended your newspaper subscription for a few days. That can only mean one thing: You’re going on a trip.

This year, consumers will take 1.6 billion leisure trips across the United States, reports the U.S. Travel Association, a trade group. Nearly eight in 10 travelers will go on their adventures by car, many of them rented.

Before drivers leave the rental-car lot, the salesperson will pitch an optional collision damage waiver (CDW) or loss damage waiver (LDW), which is the rental company’s version of car insurance (although it only covers damages to the rental car and not personal injury). Between the jargon and additional surcharges (what the heck is an energy recovery fee?), things can get overwhelming in the few moments you have to complete the paperwork.

In fact, 42% of consumers are thoroughly confused about insurance coverage when renting a car, reports the National Association of Insurance Commissioners (NAIC). And to make sure they’re covered, 34% will automatically shell out the extra cash “just in case.”

So it’s no wonder that the $36.4 billion rental-car industry rakes in the profit with its optional rental insurance, says IBISWorld, a market research firm.

But after spending an average of $66 per day for a car, reports AAA, do consumers really need to pay an extra $5 to $20 per day for rental-car insurance?

If you paid for the car with a credit card, probably not.

As a membership perk, many credit cards offer rental-car insurance, such as collision damage and theft protection. But the coverage on these cards is usually secondary insurance — so you’ll have to file a claim with your primary car insurance company first — and will only cover things like your deductible and towing charges, reports the Insurance Information Institute.

Nonetheless, about one in four consumers doesn’t have a clue whether or not their credit card provides any type of coverage, adds NAIC.

To inform drivers of their options, consumer website CardHub examined four of the major credit card networks and their rental-car insurance policies. In its “2014 Credit Card Auto Rental Insurance Report,” CardHub found that while some offer better coverage than others, all have limitations in their coverage — be it rental time limits or country exclusions. Additionally, none of the card networks covers exotic, expensive, or antique cars, trucks, vehicles with open beds, or recreational vehicles.

“So far, AmEx would be best,” says CardHub spokeswoman Jill Gonzalez. American Express was rated No. 1 in CardHub’s study because it offers the most comprehensive coverage, has insurance on all of its cards, and its policy information was easily accessible. But it’s also the only card that doesn’t offer coverage for popular SUVs, including the Chevrolet Tahoe, Ford Expedition, Land Rover Range Rover, and Lincoln Navigator.

Here’s a snapshot of each credit card network’s coverage:

American Express: All its cards offer insurance, and rental coverage lasts up to 30 days. Towing charges, damage to tires and rims, and accidents that occur on dirt and gravel roads are covered. The loss of use of the car and insurance deductible are also covered. Some SUVs and luxury vehicles, vans, and trucks aren’t covered.

Discover: All its cards offer coverage, which lasts up to 31 days. Its policy covers towing fees, damage to tires and rims, and accidents on dirt and gravel roads. But the loss of use on your auto insurance isn’t covered. Luxury vehicles, vans, and trucks also aren’t covered.

MasterCard: Its insurance policy is limited to World cardholders. Coverage lasts up to 15 days for World cards, and up to 31 days for World Elite cards. Towing and damage to tires and rims are covered, as are accidents that occur on dirt and gravel roads that the city routinely maintains. The loss of use and insurance deductible are also covered. But luxury vehicles, vans, and trucks aren’t covered.

Visa: Rental-car insurance benefits are offered to all cardholders. Towing charges for the vehicle and the loss of use and deductible on your auto insurance policy are covered. However, coverage is limited to 15 days domestically, and accidents that occur on dirt and gravel roads are not covered, and neither is damage to the tires and rims of the vehicle. Luxury vehicles, vans, and trucks also aren’t covered.

Comparison of Credit Card Rental-Car Insurance

American Express

Discover MasterCard

Visa

Card Type

All cards All cards World and World Elite cards

All cards

Vehicles Excluded

Antique, exotic, or luxury vehicles, vans, trucks, pickups, motorcycles, recreational or off-road vehicles, and some popular SUVs Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles

Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles

Rental Coverage Duration

Up to 30 days Up to 31 days Up to 15 days for World cards; up to 31 days for World Elite cards Up to 15 days for rentals in your country of residence; up to 31 days outside country of residence

Road Exclusions

Accidents occurring on dirt and gravel roads are covered Accidents occurring on dirt and gravel roads are covered Accidents occurring on dirt and gravel roads frequently maintained by municipality are covered

Accidents occurring on dirt and gravel roads are NOT covered

Country Exclusions

Theft or damage  in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand Theft or damage in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand are NOT covered for the Escape card.
There are no country exclusions for the rest of the cards.
Theft or damage in Israel, Jamaica, the Republic of Ireland, or Northern Ireland are NOT covered for Standard, Gold, and Platinum cards.
The World cards do not have any country exclusions.

Theft or damage in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.

Loss of use of rental car

Yes No Yes Yes

Deductible on your auto insurance

Yes Yes Yes

Yes

Towing Fees Yes Yes Yes

Yes

Damage to tires and rims

Yes Yes Yes

No

Full Policy Details American Express Rental Collision Policy Review your account online or call for details. Review your account online or call for details.

Visa Rental Collision Policy

Source: CardHub’s 2014 Credit Card Auto Rental Insurance Report

Confirm That You’re Covered

Before you’re blindsided at a Hertz or Enterprise Rent-A-Car counter about CDWs and the potential protection you may already have, you should do your research. To qualify for a credit card’s supplemental insurance, card issuers typically require that you’re the primary renter of the car, that you pay for the car with the credit card that provides the protection, and that you decline the rental company’s supplemental insurance, or CDW/LDW.

To know exactly what type of insurance benefits you have (and how to use them) call the toll-free number on the back of your card. Then ask them to send you their coverage information in writing so it’s easier to resolve any disputes down the line.

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