What does Amex cover on rental cars?

What does Amex cover on rental cars?

American Express offers a comprehensive rental car insurance policy for cardholders who use their Amex card to pay for the rental. This coverage includes protection against theft and damage, as well as coverage for loss of use charges imposed by the rental company.

One of the key benefits of using an American Express card for rental car insurance is the Rental Car Damage Coverage. This benefit provides secondary coverage up to $50,000 per rental agreement for damage to or theft of the rental vehicle. This coverage is available for rentals up to 42 consecutive days and is subject to certain terms and conditions.

In addition to Rental Car Damage Coverage, American Express also offers a Premium Car Rental Protection plan for an additional fee. This plan provides primary coverage for up to $100,000 in the event of damage or theft of a rental vehicle.

Another advantage of using an American Express card for rental car insurance is the coverage for loss of use charges. This benefit covers the cost of the rental company’s lost rental income while the car is being repaired, up to $500.

American Express also provides coverage for towing charges related to a covered loss, as well as coverage for reasonable and customary charges for necessary repairs, up to the actual cash value of the rental vehicle.

FAQs:

1. Does Amex cover rental cars internationally?

Yes, American Express rental car insurance coverage is available for rentals worldwide, as long as the rental is paid for with an eligible Amex card.

2. Are all Amex cards eligible for rental car insurance coverage?

No, not all American Express cards offer rental car insurance coverage. Cardholders should check their card agreement or contact Amex customer service to confirm coverage.

3. Do I need to decline the rental company’s insurance coverage to use Amex’s rental car insurance?

Yes, in order to be eligible for American Express rental car insurance coverage, cardholders must decline the rental company’s collision damage waiver (CDW) or loss damage waiver (LDW).

4. Does Amex cover luxury or premium rental cars?

Yes, American Express’s Premium Car Rental Protection plan provides coverage for luxury or premium rental vehicles, up to $100,000 in the event of damage or theft.

5. How do I file a claim for rental car insurance coverage with Amex?

Cardholders can file a claim for rental car insurance coverage with American Express by calling the number on the back of their card or visiting the Amex website for claims information.

6. Does Amex cover personal belongings stolen from a rental car?

No, American Express rental car insurance coverage only applies to damage to or theft of the rental vehicle itself and does not cover personal belongings.

7. Does Amex cover additional drivers on the rental car insurance policy?

Yes, American Express rental car insurance coverage extends to additional drivers listed on the rental agreement, as long as the rental is paid for with an eligible Amex card.

8. Does Amex provide roadside assistance for rental cars?

American Express offers a Premium Roadside Assistance plan for an additional fee, which provides coverage for towing, lockouts, tire changes, and more for rental vehicles.

9. Can I use Amex’s rental car insurance coverage for business rentals?

Yes, American Express’s rental car insurance coverage applies to both personal and business rentals as long as the rental is paid for with an eligible Amex card.

10. Does Amex cover off-road or off-highway rentals?

No, American Express rental car insurance coverage does not apply to off-road or off-highway rentals, such as ATVs or motorcycles.

11. Can I use Amex rental car insurance coverage for long-term rentals?

Yes, American Express’s rental car insurance coverage is available for rentals up to 42 consecutive days, making it suitable for long-term rentals.

12. Does Amex provide rental car insurance coverage for one-way rentals?

Yes, American Express rental car insurance coverage applies to one-way rentals as long as the rental is paid for with an eligible Amex card and meets the terms and conditions of the policy.

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