Amex Platinum Car Rental Insurance: Everything You Need to Know

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As a frequent traveler, one of the most important things you need to consider is rental car insurance. After all, you don’t want to be caught off guard if you get into an accident or damage the rental car. Thankfully, if you are an American Express Platinum cardholder, you automatically get access to some of the best car rental insurance benefits in the market.

Table Contents show

What is Amex Platinum Car Rental Insurance?

Amex Platinum Card offers cardholders primary car rental coverage when renting cars for business or personal use. This means that it can cover damage to a rental car, as well as medical expenses and personal liability in the event of an accident. It even covers loss of use charges and towing fees.

Many other credit cards offer car rental insurance as well, but most of them only provide secondary coverage, which means that you have to file a claim with your personal insurance first before the credit card insurance kicks in. This can be a hassle and may also lead to an increase in your premiums.

What types of rental cars are covered?

The Amex Platinum Car Rental Insurance covers most cars available for rent, including sports cars, luxury vehicles, and SUVs. However, there are some exceptions, such as cars rented in certain countries or specific models of cars. It is important to read the terms and conditions of your coverage before renting a car to ensure that the car you plan to rent is eligible for coverage.

What is not covered?

There are a few things that the Amex Platinum Car Rental Insurance does not cover. For example, it does not cover damage to other cars or property, including injuries to other people in the event of an accident. It also does not cover rental cars used for commercial purposes, such as Uber or Lyft. Finally, it does not cover any damage or loss resulting from a violation of the rental agreement (such as driving under the influence or reckless driving).

How to activate Amex Platinum Car Rental Insurance

To activate the Amex Platinum Car Rental Insurance, you must pay for the car rental using your Amex Platinum card and decline the rental company’s collision damage waiver (CDW). If you do not decline the CDW, your coverage may be invalidated. Also, be sure to check that your Amex Platinum card is not expired and is in good standing.

How do Amex Platinum Car Rental Insurance Claims Work?

If you get into an accident or damage the rental car, the first thing you should do is call 911 and report the accident to the police. Then, contact the car rental company as soon as possible to let them know what happened. Finally, call the American Express claims department to report the incident and start the claims process. You will need to provide them with a copy of the rental agreement, police report, and any other relevant documents.

Once Amex approves your claim, they will reimburse you for the damages, up to the limit of your coverage. The claims process can take a few weeks, so make sure to keep all your receipts and records and stay in touch with Amex throughout the process.

FAQs

Question
Answer
What is the coverage limit for Amex Platinum Car Rental Insurance?
The coverage limit is up to $75,000 for theft and damage to the rental car, and up to $100,000 for accidental injury or death of third parties.
Is there a deductible for Amex Platinum Car Rental Insurance?
No, there is no deductible for the Amex Platinum Car Rental Insurance.
Do I need to enroll in Amex Platinum Car Rental Insurance?
No, there is no need to enroll in the Amex Platinum Car Rental Insurance. As long as you pay for the rental car with your Amex Platinum card and decline the rental company’s CDW, you are automatically covered.
Is Amex Platinum Car Rental Insurance valid outside the US?
Yes, Amex Platinum Car Rental Insurance is valid in all countries, except for Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

Conclusion

Overall, the Amex Platinum Car Rental Insurance is a great benefit for frequent travelers who rent cars often. It offers primary coverage, which means you don’t have to file a claim with your personal insurance first, and it covers most rental cars, including luxury and sports cars. It is important to read the terms and conditions of your coverage before renting a car to ensure that your rental is eligible for coverage.

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