Does Chase Southwest card have rental car insurance?

Does Chase Southwest card have rental car insurance?

Yes, the Chase Southwest Rapid Rewards Premier Credit Card does offer rental car insurance to cardholders. This benefit can save you money and provide peace of mind when renting a car for business or leisure travel.

When you use your Chase Southwest card to pay for a rental car, you are automatically covered against theft and damage. This coverage is secondary to your personal auto insurance policy, meaning it kicks in after your insurance policy has been utilized.

The rental car insurance provided by Chase Southwest covers most types of rental vehicles, including cars and SUVs, but excludes certain types of vehicles such as trucks, motorcycles, and exotic cars.

This insurance typically provides coverage for physical damage to the rental vehicle, theft of the vehicle, and loss of use charges by the rental car company while the vehicle is being repaired.

It’s important to note that certain exclusions and limitations may apply to the rental car insurance offered by Chase Southwest. Be sure to read the terms and conditions of your card agreement to fully understand what is covered and what is not.

FAQs related to Chase Southwest card rental car insurance:

1. Is the rental car insurance provided by Chase Southwest comprehensive?

Yes, the rental car insurance offered by Chase Southwest covers theft and physical damage to the rental vehicle in most cases.

2. Are there any additional fees associated with using the rental car insurance from Chase Southwest?

No, there are no additional fees for using the rental car insurance provided by Chase Southwest. It is a benefit of having the credit card.

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

Yes, in order to utilize the rental car insurance from Chase Southwest, you must decline the rental car company’s insurance coverage at the time of booking.

4. How does the rental car insurance from Chase Southwest differ from my personal auto insurance policy?

The rental car insurance from Chase Southwest is secondary to your personal auto insurance policy, meaning it only kicks in after your personal insurance has been utilized.

5. Does Chase Southwest’s rental car insurance cover liability insurance?

No, the rental car insurance provided by Chase Southwest does not include liability insurance. You will need to purchase that separately from the rental car company.

6. What should I do in the event of an accident while driving a rental car covered by Chase Southwest’s insurance?

In the event of an accident, you should contact both your personal auto insurance provider and Chase Southwest to report the incident and file a claim.

7. Does the rental car insurance from Chase Southwest cover international rentals?

Yes, the rental car insurance provided by Chase Southwest does cover international rentals, as long as the rental agreement meets certain criteria.

8. Can I use the rental car insurance from Chase Southwest for business rentals?

Yes, the rental car insurance provided by Chase Southwest can be used for both personal and business rentals, as long as the rental vehicle is being used for approved purposes.

9. Are there any restrictions on the length of rental covered by Chase Southwest’s insurance?

Typically, the rental car insurance provided by Chase Southwest covers rentals of up to 31 consecutive days. If you plan to rent a car for longer than that, you may need to purchase additional insurance coverage.

10. Can I use Chase Southwest’s rental car insurance for multiple rentals within the same trip?

Yes, you can use the rental car insurance from Chase Southwest for multiple rentals within the same trip, as long as each rental is paid for using your Chase Southwest card.

11. Does Chase Southwest’s rental car insurance cover towing charges in the event of a breakdown?

No, the rental car insurance provided by Chase Southwest does not cover towing charges in the event of a breakdown. You will need to contact the rental car company for assistance in that situation.

12. If I need to file a claim for rental car insurance with Chase Southwest, how do I go about doing that?

To file a claim for rental car insurance with Chase Southwest, you will need to contact the benefit administrator for your card and follow their instructions for submitting a claim. Be sure to gather all necessary documentation and provide it promptly to expedite the claims process.

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