{"id":178311,"date":"2025-06-15T08:47:32","date_gmt":"2025-06-15T08:47:32","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/"},"modified":"2025-06-15T08:47:32","modified_gmt":"2025-06-15T08:47:32","slug":"does-chase-sapphire-preferred-have-primary-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/","title":{"rendered":"Does Chase Sapphire Preferred have primary rental car insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#Does_Chase_Sapphire_Preferred_have_primary_rental_car_insurance\" title=\"Does Chase Sapphire Preferred have primary rental car insurance?\">Does Chase Sapphire Preferred have primary rental car insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#1_What_does_primary_rental_car_insurance_mean\" title=\"1. What does primary rental car insurance mean?\">1. What does primary rental car insurance mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#2_What_does_Chase_Sapphire_Preferreds_primary_rental_car_insurance_cover\" title=\"2. What does Chase Sapphire Preferred&#8217;s primary rental car insurance cover?\">2. What does Chase Sapphire Preferred&#8217;s primary rental car insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#3_Does_Chase_Sapphire_Preferred_cover_rental_cars_internationally\" title=\"3. Does Chase Sapphire Preferred cover rental cars internationally?\">3. Does Chase Sapphire Preferred cover rental cars internationally?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#4_What_types_of_rental_cars_are_covered_by_Chase_Sapphire_Preferreds_primary_rental_car_insurance\" title=\"4. What types of rental cars are covered by Chase Sapphire Preferred&#8217;s primary rental car insurance?\">4. What types of rental cars are covered by Chase Sapphire Preferred&#8217;s primary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#5_Do_I_need_to_pay_for_the_rental_car_with_my_Chase_Sapphire_Preferred_card_to_be_eligible_for_coverage\" title=\"5. Do I need to pay for the rental car with my Chase Sapphire Preferred card to be eligible for coverage?\">5. Do I need to pay for the rental car with my Chase Sapphire Preferred card to be eligible for coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#6_How_do_I_file_a_claim_for_a_rental_car_incident_with_Chase_Sapphire_Preferred\" title=\"6. How do I file a claim for a rental car incident with Chase Sapphire Preferred?\">6. How do I file a claim for a rental car incident with Chase Sapphire Preferred?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#7_Does_Chase_Sapphire_Preferreds_primary_rental_car_insurance_cover_personal_injury_or_liability\" title=\"7. Does Chase Sapphire Preferred&#8217;s primary rental car insurance cover personal injury or liability?\">7. Does Chase Sapphire Preferred&#8217;s primary rental car insurance cover personal injury or liability?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#8_Are_there_any_limitations_to_Chase_Sapphire_Preferreds_primary_rental_car_insurance_coverage\" title=\"8. Are there any limitations to Chase Sapphire Preferred&#8217;s primary rental car insurance coverage?\">8. Are there any limitations to Chase Sapphire Preferred&#8217;s primary rental car insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#9_Can_I_use_Chase_Sapphire_Preferreds_primary_rental_car_insurance_for_business_rentals\" title=\"9. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance for business rentals?\">9. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance for business rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#10_Is_there_a_deductible_for_Chase_Sapphire_Preferreds_primary_rental_car_insurance\" title=\"10. Is there a deductible for Chase Sapphire Preferred&#8217;s primary rental car insurance?\">10. Is there a deductible for Chase Sapphire Preferred&#8217;s primary rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#11_Can_I_use_Chase_Sapphire_Preferreds_primary_rental_car_insurance_in_addition_to_my_personal_auto_insurance\" title=\"11. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance in addition to my personal auto insurance?\">11. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance in addition to my personal auto insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#12_Is_the_primary_rental_car_insurance_coverage_provided_by_Chase_Sapphire_Preferred_automatic\" title=\"12. Is the primary rental car insurance coverage provided by Chase Sapphire Preferred automatic?\">12. Is the primary rental car insurance coverage provided by Chase Sapphire Preferred automatic?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_Chase_Sapphire_Preferred_have_primary_rental_car_insurance\"><\/span>Does Chase Sapphire Preferred have primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, Chase Sapphire Preferred does offer primary rental car insurance coverage when you use the card to pay for your rental vehicle. This means that if you have an eligible covered incident, you can file a claim directly with Chase first without involving your personal auto insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_What_does_primary_rental_car_insurance_mean\"><\/span>1. What does primary rental car insurance mean?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Primary rental car insurance means that the coverage kicks in first in the event of an eligible incident, without having to involve your personal auto insurance policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_does_Chase_Sapphire_Preferreds_primary_rental_car_insurance_cover\"><\/span>2. What does Chase Sapphire Preferred&#8217;s primary rental car insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chase Sapphire Preferred&#8217;s primary rental car insurance covers theft and collision damage for most rental cars in the U.S. and abroad.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Does_Chase_Sapphire_Preferred_cover_rental_cars_internationally\"><\/span>3. Does Chase Sapphire Preferred cover rental cars internationally?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, Chase Sapphire Preferred&#8217;s primary rental car insurance covers rental cars internationally, as long as you decline the rental agency&#8217;s collision damage waiver.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_types_of_rental_cars_are_covered_by_Chase_Sapphire_Preferreds_primary_rental_car_insurance\"><\/span>4. What types of rental cars are covered by Chase Sapphire Preferred&#8217;s primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chase Sapphire Preferred&#8217;s primary rental car insurance covers most rental cars, including compact to midsize sedans and SUVs. However, luxury cars, trucks, and certain other types of vehicles may not be covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Do_I_need_to_pay_for_the_rental_car_with_my_Chase_Sapphire_Preferred_card_to_be_eligible_for_coverage\"><\/span>5. Do I need to pay for the rental car with my Chase Sapphire Preferred card to be eligible for coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, you must pay for the entire rental car transaction with your Chase Sapphire Preferred card to be eligible for the primary rental car insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_do_I_file_a_claim_for_a_rental_car_incident_with_Chase_Sapphire_Preferred\"><\/span>6. How do I file a claim for a rental car incident with Chase Sapphire Preferred?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To file a claim for a rental car incident with Chase Sapphire Preferred, you can contact the benefits administrator by calling the number on the back of your card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_Chase_Sapphire_Preferreds_primary_rental_car_insurance_cover_personal_injury_or_liability\"><\/span>7. Does Chase Sapphire Preferred&#8217;s primary rental car insurance cover personal injury or liability?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, Chase Sapphire Preferred&#8217;s primary rental car insurance does not cover personal injury or liability. It only covers theft and collision damage to the rental vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_any_limitations_to_Chase_Sapphire_Preferreds_primary_rental_car_insurance_coverage\"><\/span>8. Are there any limitations to Chase Sapphire Preferred&#8217;s primary rental car insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, there are some limitations to the coverage, such as the types of vehicles covered, rental periods, and locations. Be sure to carefully review the terms and conditions of the policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_use_Chase_Sapphire_Preferreds_primary_rental_car_insurance_for_business_rentals\"><\/span>9. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance for business rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Chase Sapphire Preferred&#8217;s primary rental car insurance is intended for personal rentals only and may not be applicable for business rentals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Is_there_a_deductible_for_Chase_Sapphire_Preferreds_primary_rental_car_insurance\"><\/span>10. Is there a deductible for Chase Sapphire Preferred&#8217;s primary rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, there is a deductible for Chase Sapphire Preferred&#8217;s primary rental car insurance, which is typically around $50-$75 per incident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_use_Chase_Sapphire_Preferreds_primary_rental_car_insurance_in_addition_to_my_personal_auto_insurance\"><\/span>11. Can I use Chase Sapphire Preferred&#8217;s primary rental car insurance in addition to my personal auto insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, you can use Chase Sapphire Preferred&#8217;s primary rental car insurance as the first line of coverage and then supplement it with your personal auto insurance if needed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Is_the_primary_rental_car_insurance_coverage_provided_by_Chase_Sapphire_Preferred_automatic\"><\/span>12. Is the primary rental car insurance coverage provided by Chase Sapphire Preferred automatic?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, the primary rental car insurance coverage provided by Chase Sapphire Preferred is automatic as long as you pay for the rental car with your card and decline the rental agency&#8217;s collision damage waiver.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does Chase Sapphire Preferred have primary rental car insurance? Yes, Chase Sapphire Preferred does offer primary rental car insurance coverage when you use the card to pay for your rental vehicle. This means that if you have an eligible covered incident, you can file a claim directly with Chase first without involving your personal auto &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does Chase Sapphire Preferred have primary rental car insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-chase-sapphire-preferred-have-primary-rental-car-insurance\/#more-178311\">Read more<span class=\"screen-reader-text\">Does Chase Sapphire Preferred have primary rental car insurance?<\/span><\/a><\/p>\n","protected":false},"author":44,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-178311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Chase Sapphire Preferred have primary rental car insurance?<\/title>\n<meta name=\"description\" content=\"Does Chase Sapphire Preferred have primary rental car insurance? 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