Discover card has some valuable benefits that extend to rental car insurance claims. Whether you’re enjoying a vacation or traveling for business, it’s reassuring to know that your credit card can provide you with added protection and peace of mind when it comes to rental car accidents or damages. In this article, we will explore how Discover card helps with rental car insurance claims and answer some related frequently asked questions.
How does Discover card help with rental car insurance claims?
Discover card provides rental car insurance coverage to its cardmembers, which can save you money by avoiding additional costs from the rental car company’s insurance. If you pay for the entire car rental transaction using your Discover card and decline the rental company’s collision damage waiver (CDW/LDW), Discover card’s Auto Rental CDW will become your primary insurance should an accident occur. This coverage can reimburse you for the costs associated with physical damage or theft of the rental vehicle.
FAQs:
1. What is the Discover Auto Rental CDW?
The Discover Auto Rental CDW is a benefit provided by Discover card, which offers coverage for physical damage to the rental vehicle.
2. How do I activate the Discover Auto Rental CDW?
To activate the Discover Auto Rental CDW, you simply need to pay for the entire rental car transaction using your Discover card and decline the rental company’s insurance.
3. What types of cars are covered by Discover Auto Rental CDW?
Discover’s Auto Rental CDW covers most rental vehicles, including cars, trucks, and SUVs. However, some exclusions may apply, such as luxury or antique vehicles.
4. Does Discover Auto Rental CDW cover liability insurance?
No, Discover Auto Rental CDW only covers physical damage to the rental vehicle, not liability insurance for injuries or damages to other people or property.
5. Does Discover card offer this benefit on all their credit cards?
Most Discover credit cards come with the Auto Rental CDW benefit. However, it’s always a good idea to check your specific card’s terms and benefits.
6. What is the coverage limit of Discover Auto Rental CDW?
The coverage limit for Discover Auto Rental CDW is up to the actual cash value of the rental vehicle, subject to certain exclusions and restrictions.
7. Are there any additional fees to activate the Discover Auto Rental CDW?
No, there are no additional fees to activate Discover’s Auto Rental CDW. It is a complimentary benefit provided to Discover cardmembers.
8. If I have my own personal car insurance, do I still need Discover Auto Rental CDW?
It depends on your personal car insurance policy. Discover’s Auto Rental CDW can act as primary insurance, potentially saving you from filing a claim with your personal insurance and affecting your premiums.
9. What should I do if I get into an accident with a rental car?
In case of an accident, the first step is to ensure everyone’s safety. Then, you should report the accident to the local authorities, obtain all necessary documentation, and contact Discover’s claims department for assistance.
10. Can Discover Auto Rental CDW cover damages caused by reckless driving or driving under the influence?
No, Discover Auto Rental CDW does not provide coverage if the accident occurs while driving recklessly or under the influence of alcohol or drugs.
11. What if my rental car is stolen? Will Discover Auto Rental CDW cover it?
Yes, if your rental car is stolen, Discover Auto Rental CDW will cover the theft as long as you have followed all necessary procedures, such as filing a police report.
12. Can Discover Auto Rental CDW be used internationally?
Yes, Discover Auto Rental CDW can be used both domestically and internationally, as long as you pay for the rental car transaction using your Discover card.
In conclusion, Discover card provides valuable rental car insurance coverage through its Auto Rental CDW benefit. By paying for the rental car transaction with your Discover card and declining the rental company’s insurance, you can rely on Discover’s coverage in case of an accident or theft. It’s important to review the terms and conditions of your specific Discover card to fully understand the benefits and limitations of this insurance coverage.