Amex Platinum Rental Car Insurance

by

If you are a frequent traveler, you know the importance of having rental car insurance. One option for rental car insurance is through American Express Platinum. In this article, we will discuss the benefits and coverage of Amex Platinum rental car insurance.

Table Contents show

What is Amex Platinum Rental Car Insurance?

Amex Platinum rental car insurance is an additional benefit provided to Amex Platinum cardholders. This benefit provides coverage for damage or theft of a rental car.

Coverage Details

The coverage provided by Amex Platinum rental car insurance includes:

Coverage Type
Maximum Coverage Amount
Collision Damage Waiver
$75,000
Theft Protection
$75,000
Secondary Liability Insurance
$1 million

The coverage is secondary, meaning it will only kick in if your personal insurance does not cover the damage or theft. This coverage only applies to rentals that are 30 consecutive days or less and for vehicles with a Manufacturer’s Suggested Retail Price (MSRP) of $100,000 or less.

Enrollment Requirement

In order to receive the benefits of Amex Platinum rental car insurance, you must enroll in the program. Enrollment is free and can be completed through your Amex account online or by calling the number on the back of your card.

How to Use Amex Platinum Rental Car Insurance

Step-by-Step Guide

To use your Amex Platinum rental car insurance, follow these steps:

  1. Decline the collision damage waiver and theft protection offered by the rental car company.
  2. Pay for the rental car with your Amex Platinum card.
  3. If an incident occurs, report it to your personal insurance first.
  4. If your personal insurance does not cover the damage or theft, file a claim with Amex by calling the number on the back of your card.

It is important to note that you must decline the rental car company’s insurance in order for Amex Platinum rental car insurance to apply. Any charges for the rental car company’s insurance will not be reimbursed by Amex.

FAQ

Is Amex Platinum rental car insurance primary or secondary coverage?

Amex Platinum rental car insurance is secondary coverage, meaning it only applies after your personal insurance coverage is exhausted.

What types of vehicles are covered?

Amex Platinum rental car insurance covers rentals with a Manufacturer’s Suggested Retail Price (MSRP) of $100,000 or less.

Is there a limit to the number of rentals covered?

There is no limit to the number of rentals covered, as long as each rental is 30 consecutive days or less.

Is there a fee to enroll in Amex Platinum rental car insurance?

No, enrollment in Amex Platinum rental car insurance is free.

How do I enroll in Amex Platinum rental car insurance?

You can enroll in Amex Platinum rental car insurance through your Amex account online or by calling the number on the back of your card.

What do I do if I have an incident with a rental car?

If an incident occurs, report it to your personal insurance first. If your personal insurance does not cover the damage or theft, file a claim with Amex by calling the number on the back of your card.

Conclusion

Amex Platinum rental car insurance is a great benefit for frequent travelers. With coverage for damage or theft of rental cars, it provides peace of mind while on the road. Make sure to enroll in the program and follow the steps outlined to use this benefit effectively.

Rekomendasi: