2006-12-26 13:27:09 · 3 answers · asked by Imposter 1 in Cars & Transportation ➔ Insurance & Registration
Read your credit card agreement. It will explain it all right there.
2006-12-26 13:37:50 · answer #1 · answered by Bostonian In MO 7 · 0⤊ 0⤋
It depends on the type of American Express card.
I would ask to see it in writing, and go over 2 types of coverages: What happens when the rental car is physically damaged, and what happens if you are at fault in an accident with another car. Don't accept "you're covered" as a good response.
Many credit cards are "secondary" meaning they do not cover until you completely exhaust insurance of your own. Others are "primary" meaning they will cover first.
There are so many rules and loopholes though, as credit card companies will try to find someway, somehow, to not cover you in a rental car. Luckily, AMEX is one of the better ones so you may be OK.
Just be sure to RENT and PAY with the AMEX if you decide to use their coverage, otherwise it voids their responsibility.
2006-12-26 13:41:55 · answer #2 · answered by Rusty Nail 2 · 0⤊ 0⤋
I have a gold card and it covers you while YOU are driving. FULLY read the agreement online
Call you personal car insurance provider. You may be covered by them if inside the US or your country.
From their site
Where allowed by law, you will be automatically covered for damage or theft on many rental cars up to the full value of the rental car minus a $100 deductible. To take advantage of this protection, you must decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company and fully charge your rental to your Gold Card. There is no additional charge for this coverage and you save the daily LDW fee (usually $16 to $23 per day) charged by the car rental company.
In Canada/U.S. call 1-800-243-0198. Outside Canada/U.S. please call collect (905) 475-4822.
*Underwritten by Royal & Sun Alliance Insurance Company of Canada.There are specific conditions that apply to whom may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered. American Express Gold Card claims, including claims on associated cards (Companion Credit Cards and/or Supplementary Gold Cards), are subject to a $100 deductible. Please read your Certificate of Insurance carefully as it contains specific terms, limitations, conditions, and exclusions that may affect your coverage
2006-12-26 14:34:59 · answer #3 · answered by Uncle Red 6 · 0⤊ 0⤋