Does Chase United card cover rental car insurance?

If you are a Chase United cardholder and are planning to rent a car for your next trip, you might be wondering if your credit card provides rental car insurance coverage. The good news is that the Chase United card does offer primary rental car insurance when you use your card to pay for the rental. This coverage can save you money and give you peace of mind when renting a car, as it can protect you against damages or theft.

With primary rental car insurance, you do not have to file a claim with your personal auto insurance policy in the event of an accident or theft while driving the rental car. Instead, the coverage provided by your Chase United card will be the primary insurance during the rental period.

Chase United card rental car insurance provides coverage for physical damage to the rental car, theft, and loss-of-use charges imposed by the rental agency. You can be covered for up to the actual cash value of the rental car if it is damaged or stolen while in your possession, up to the coverage limit and subject to certain terms and conditions.

It is important to note that there are some exclusions and limitations to the rental car insurance coverage provided by the Chase United card. For example, certain types of vehicles may not be covered, such as exotic cars, trucks, motorcycles, and other specialty vehicles. Additionally, coverage may not apply in certain countries or for certain types of rentals, such as rentals that exceed 31 consecutive days.

FAQs about Chase United card rental car insurance:

1. Is there a fee for Chase United card rental car insurance?

There is no additional fee for the rental car insurance coverage provided by the Chase United card. As long as you pay for the rental with your card, you are automatically covered.

2. Do I need to decline the rental car company’s insurance coverage to use Chase United card rental car insurance?

In order to be eligible for the rental car insurance coverage provided by your Chase United card, you must decline the rental car company’s collision damage waiver (CDW) or similar coverage.

3. How do I file a claim for Chase United card rental car insurance?

If you need to file a claim for rental car insurance coverage through your Chase United card, you can contact the Benefits Administrator at 1-888-320-9956. They will provide you with the necessary forms and instructions to submit your claim.

4. How long does the rental car insurance coverage last?

The rental car insurance coverage provided by the Chase United card is in effect for the duration of the rental period, up to 31 consecutive days. Coverage begins when you pick up the rental car and ends when you return it.

5. Can I use Chase United card rental car insurance internationally?

Yes, you can use the rental car insurance coverage provided by your Chase United card when renting a car internationally, as long as the country is not on the list of excluded countries.

6. Does Chase United card rental car insurance cover personal injury or liability?

No, the rental car insurance coverage provided by the Chase United card does not cover personal injury or liability. It is recommended to have separate liability coverage in place.

7. Can I use Chase United card rental car insurance for business trips?

Yes, you can use the rental car insurance coverage provided by your Chase United card for both personal and business trips, as long as the rental car is for personal use.

8. Can I add additional drivers to the rental car insurance coverage?

Yes, additional drivers listed on the rental agreement and authorized by the rental car company are covered under the Chase United card rental car insurance.

9. Does Chase United card rental car insurance cover off-road vehicles?

No, off-road vehicles and certain types of specialty vehicles are not covered under the rental car insurance provided by your Chase United card.

10. Is there a coverage limit for Chase United card rental car insurance?

Yes, there is a coverage limit for the rental car insurance provided by the Chase United card. Coverage is typically up to the actual cash value of the rental car, subject to certain terms and conditions.

11. Can I use Chase United card rental car insurance for one-way rentals?

Yes, you can use the rental car insurance coverage provided by your Chase United card for one-way rentals, as long as the rental period does not exceed 31 consecutive days.

12. Does Chase United card rental car insurance cover roadside assistance?

No, the rental car insurance coverage provided by the Chase United card does not include roadside assistance. It is recommended to have a separate roadside assistance plan in place for emergencies.

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