Yes, you do not need rental car insurance with Amex Platinum because this credit card offers primary rental car insurance coverage when you use it to pay for the rental.
1. What is rental car insurance?
Rental car insurance is a type of coverage that protects you financially in case of damage or theft of a rental car.
2. How does Amex Platinum rental car insurance work?
Amex Platinum offers primary rental car insurance, which means it kicks in before your personal insurance, providing coverage for damage due to collision or theft of the rental car.
3. Do I need to pay extra for Amex Platinum rental car insurance?
No, the primary rental car insurance offered by Amex Platinum is included as a benefit of the credit card and does not require any additional payment.
4. Does Amex Platinum cover all types of rental cars?
Amex Platinum covers most rental cars, including standard vehicles, SUVs, and luxury cars, as long as the rental period does not exceed 30 consecutive days.
5. Are there any limitations to the coverage provided by Amex Platinum?
Yes, the coverage provided by Amex Platinum does not include liability insurance, personal injury protection, or personal property coverage.
6. Do I need to decline the rental car company’s insurance if I have Amex Platinum?
Yes, in order to benefit from the primary rental car insurance provided by Amex Platinum, you must decline the rental car company’s collision damage waiver (CDW) or loss damage waiver (LDW).
7. What should I do if the rental car company insists that I need their insurance?
You can inform the rental car company that you have primary rental car insurance through your Amex Platinum card and ask them to proceed with the rental without their insurance.
8. Can I use a different credit card for the rental and still be covered by Amex Platinum?
No, in order to be covered by Amex Platinum rental car insurance, you must use the card to pay for the entire rental transaction.
9. Does Amex Platinum rental car insurance cover international rentals?
Yes, Amex Platinum rental car insurance provides coverage for rentals worldwide, as long as the rental is not in your country of residence.
10. Does Amex Platinum cover rentals for business purposes?
Yes, Amex Platinum rental car insurance covers rentals for both business and personal use, as long as the rental is paid for with the credit card.
11. How do I file a claim with Amex Platinum rental car insurance?
In the event of damage or theft of the rental car, you can file a claim by contacting the Amex Platinum customer service and providing the necessary documentation.
12. Can I use Amex Platinum rental car insurance in combination with my personal insurance?
Yes, you can use Amex Platinum rental car insurance as primary coverage and your personal insurance as secondary coverage if needed.