Does Mileage Plus Explorer have primary rental insurance?
Yes, the Mileage Plus Explorer credit card does offer primary rental insurance for car rentals. This means that you can rely on the coverage provided by this credit card before having to involve your personal auto insurance policy.
For those who frequently rent cars for business or travel purposes, having primary rental insurance can offer peace of mind and save money on additional insurance fees. Here are some related FAQs about the primary rental insurance offered by the Mileage Plus Explorer credit card:
1. What does primary rental insurance cover?
Primary rental insurance typically covers damage to or theft of the rental vehicle, as well as any medical expenses related to an accident in the rental car.
2. How does primary rental insurance differ from secondary rental insurance?
Primary rental insurance kicks in before your personal auto insurance policy in the event of an accident, while secondary rental insurance only covers costs that exceed the limits of your personal policy.
3. Does primary rental insurance cover liability insurance?
Primary rental insurance usually does not include liability coverage, which covers damage to other vehicles or injuries to other people in an accident. You may need to purchase additional liability coverage from the rental car company.
4. Does primary rental insurance cover rental cars internationally?
Coverage for rental cars outside of the United States is typically not included in primary rental insurance. It’s important to check the terms and conditions of your credit card’s insurance policy before renting a car abroad.
5. Are there restrictions on the type of vehicle covered by primary rental insurance?
Most credit card primary rental insurance policies exclude coverage for certain types of vehicles, such as luxury cars, motorcycles, trucks, and large vans. Be sure to check the specifics of your credit card’s policy.
6. How do I activate the primary rental insurance coverage on my Mileage Plus Explorer card?
To activate primary rental insurance coverage on your Mileage Plus Explorer card, you must use the card to pay for the entire cost of the rental car reservation. Be sure to decline the rental company’s collision damage waiver to qualify for coverage.
7. Is there a limit to the coverage provided by primary rental insurance?
The coverage limits for primary rental insurance vary depending on the credit card issuer and specific card. Some may have limits on the number of days of rental coverage or the maximum amount covered per claim.
8. Does primary rental insurance cover loss of use fees charged by rental companies?
Loss of use fees, which rental companies charge for the revenue lost while a damaged rental car is being repaired, are usually not covered by primary rental insurance. You may need to purchase additional coverage from the rental company to protect against these fees.
9. Can I decline the rental car company’s insurance if I have primary rental insurance from my credit card?
If you have primary rental insurance from your credit card, you may be able to decline the rental car company’s insurance. However, it’s important to double-check the terms of your credit card’s policy to ensure you have adequate coverage.
10. Does primary rental insurance cover personal belongings stolen from the rental car?
Primary rental insurance typically does not cover personal belongings stolen from a rental car. You may need to file a claim with your homeowner’s or renter’s insurance policy to seek reimbursement for stolen items.
11. Can I use primary rental insurance for rentals booked through third-party websites or agencies?
In most cases, primary rental insurance from a credit card only applies to rentals booked directly with the rental car company or through the credit card issuer’s designated rental car booking platform. Rentals booked through third-party websites or agencies may not be covered.
12. How do I file a claim for primary rental insurance coverage?
If you need to file a claim for primary rental insurance coverage, you will typically need to contact the credit card issuer’s benefits administrator within a specified timeframe. They will guide you through the claims process and requirements.