Everything You Need to Know About Chase Freedom Car Rental Insurance

If you’re a frequent traveler, you know how important it is to have car rental insurance. Accidents can happen even to the most careful drivers, and the last thing you want is to be stuck with a hefty bill for damages or injuries. Fortunately, if you have a Chase Freedom credit card, you may be covered for car rental insurance.

What is Chase Freedom car rental insurance?

Chase Freedom car rental insurance is a benefit that comes with your Chase Freedom credit card. It provides coverage for damages to or theft of a rental car when you use your card to pay for the rental. The coverage is secondary, which means it only kicks in after your personal auto insurance coverage has been exhausted.

The coverage includes:

• Collision damage waiver (CDW)
• Theft protection
• Liability coverage

How to use Chase Freedom car rental insurance

To use Chase Freedom car rental insurance, you must decline the rental car company’s collision damage waiver (CDW) and theft protection. Then, use your Chase Freedom credit card to pay for the rental in full. You will be covered for up to the actual cash value of the rental car or $50,000, whichever is less.

If you need to file a claim, call the number on the back of your Chase Freedom card within 60 days of the accident. You will need to provide the following information:

• Details of the accident
• Copy of the rental agreement
• Copy of the police report (if applicable)
• Copy of your personal auto insurance policy and declaration page
• Any other relevant documentation

A claims examiner will review your claim and determine if it’s covered under the terms of the benefit.

Limitations and exclusions

Like all insurance policies, Chase Freedom car rental insurance has certain limitations and exclusions. Here are some of the most important ones:

• Only the primary cardholder and authorized users are covered. If you rent the car using someone else’s card, you won’t be covered.
• The coverage is secondary, which means it only kicks in after your personal auto insurance coverage has been exhausted.
• The coverage is only valid for rentals of up to 31 consecutive days. If you rent a car for longer than 31 days, you won’t be covered.
• The coverage only applies to rental cars. It does not cover trucks, campers, trailers, motorcycles, or any other type of vehicle.
• The coverage does not apply in certain countries. Check the terms and conditions of your benefit to see if your destination is covered.
• The coverage only applies to rentals that begin and end in the United States. If you rent a car outside of the United States, you won’t be covered.

FAQs

Does Chase Freedom car rental insurance cover liability?

Yes, Chase Freedom car rental insurance provides liability coverage up to $500,000. This means that if you cause an accident and someone is injured or their property is damaged, your Chase Freedom card may provide additional coverage beyond what your personal auto insurance covers.

Do I need to notify Chase before I rent a car?

No, you don’t need to notify Chase before you rent a car. However, you should familiarize yourself with the terms and conditions of the benefit before you rent a car to make sure you’re eligible for coverage.

Can I use Chase Freedom car rental insurance for business rentals?

No, Chase Freedom car rental insurance does not cover rentals for business purposes. The coverage is only valid for personal rentals.

Does Chase Freedom car rental insurance cover rental cars outside of the United States?

It depends on the country. Check the terms and conditions of your benefit to see if your destination is covered.

Do I need to pay for the entire rental with my Chase Freedom card to be eligible for coverage?

Yes, you need to pay for the entire rental with your Chase Freedom card to be eligible for coverage. If you use another form of payment, you won’t be covered.