On Tuesday I had a post about using just about any VISA card to pay for your rental car to give you

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On Tuesday I had a post about using just about any VISA card to pay for your rental car to give you additional protection over and above from your normal insurance (please read that post to get some background). Today I will review choosing an AMEX card over a VISA card. In a final post this weekend, I will look at the last few options like an AMEX upgrade or a card that offers primary coverage; but for today s post, this is just a standard AMEX card we are talking about.
Like VISA, almost ANY AMEX will give you protection. Having said that, just about each AMEX has different T C as to what the exact benefits are for that card so you have to check. For example, depending on the card, coverage covers car france in prestige rental only cars with a mfg. suggested retail price of $50,000 car france in prestige rental for the Delta GOLD or PLATINUM or the RESERVE up to $75,000. VISA has no such firm numbers, but still it shows the importance of checking to see if a car is in fact covered (when the link is working as I was doing final checks and got the below):
#2) In no event shall coverage car france in prestige rental be provided when the Card member car france in prestige rental rents a Rental Auto beyond 30 consecutive days from the same Rental Company, regardless of whether the original agreement is extended, or a new written agreement car france in prestige rental is entered into, or a new vehicle is rented. Additionally, no coverage will be provided when the Primary Renter rents a Rental Auto for more than 30 consecutive days out of a 45 day period within the same geographic market/location (75 mile radius).
#3) NOT COVERED: Full sized sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln car france in prestige rental Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or full-sized Ford Bronco. car france in prestige rental [also trucks]
With American Express Membership Reward points, you can see you are limited to only a few car rental companies. There is a clear advantage with Chase Ultimate car france in prestige rental Rewards, as you can use them with many more rental car companies.
I could really go on and on with the got ya s like the fact that if your statement is past due you will not be covered but there are exceptions in some states to that. Also, you have to pay for the rental in full so don t use say 1/2 Ultimate Rewards points and 1/2 AMEX to pay. The bottom line on these is you must read with the card you have just what your perks are and are not. This is one of the hardest parts about this post as there is no way to cover all the points as they are different over infinite circumstances. The same thing goes for Mastercard. You have to check with each card. Some have NO coverage some have similar to VISA or AMEX. So, you just have to check.
car france in prestige rental To be fair, there are some big things that are perks over VISA like personal property in a car up to $1000 and up $2000 with others in the car. There is life insurance up to $200,000 plus $20,000 per passenger. If you check you will find some others. But for me, the legalese and differing conditions for differing cards, even inside the Delta family of cards, really bothers me. To me, the perks of this program do not outweigh the drawbacks. To me, VISA is simple and straight forward across all the VISA products.
Some final personal thoughts. What are you trying to get? Do you want your deductible covered if you have an accident? That is what I am looking for. I am not looking for extra coverage in case of damage to my stuff. I have life insurance so I don t pay with my AMEX to protect car france in prestige rental my family if I were to die in a wreck (would they even know to check for this?)! I have never rented a car for more than two weeks, but others I know do. I love so much of what AMEX offers with Delta, car france in prestige rental but when it comes to this perk, I will NOT have peace of mind if I were to choose AMEX to pay for the rental.
. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
I once used a MasterCard for a rental and tried to get coverage for a break-in (in which only glass was broken and nothing of significant value stolen). It was torture. Hours wait on hold, short hours of operation of the call-in center, rejection, after rejection. They kept stating I needed to claim it on my own auto insurance but at the time I did not own a car and had no auto insurance. I finally gave up and paid the ridiculous overcharged that the rental car company wanted ($450 to replace a passenger window) because it was still not resolved with MasterCard after 2 months and Thrifty sent me to collections. I knew this was there plan to keep denying until I gave up. In the end I sent a letter to the state DA, BBB, and have never and will never use MasterCard again.
I don t know if Visa is better car france in prestige rental but for other purposes I have always had great customer service car france in prestige rental from Amex and why I use them for purchases of consumer car france in prestige rental items like electronics and have been using them for car rentals. I will see what happens if I never need a claim.
@Mark P I would not use MC for many reasons but thanks for your feedback. I also have had PERFECT success with AMEX purchase warranty related issues. From what I have seen so far, VISA is great about these types of claims but would love REAL WORLD feedback about how it went. On paper , so far, a std VISA is the clear winner. But, stay tuned for part 3 soon.
I m with Mark, I don t own my own car and it s still almost impossible to suss out what is and isn t covered by credit card companies for those of us without our own insurance. There are a few cards like the United Mileage Plus that had all sorts of bullet points about Primary Coverage, etc., but who really knows until something happens.
I have carried a Diners Club card just for this purpose. It is one the few cards that is PRIMARY for rental car insurance (but not the only). So it is worth the annual fee to avoid having to use my personal insurance for a rental car accident. But I can t say how easy they are to deal with and hopefully won t ever have to try it out!
You know what, Rene. I m very happy you are laying this out in a consolidated format. On the Disney boards, the issue of car insurance comes up from time to time, and most people don t know or understand their liabilities or their coverage options. It is nice to have the info listed, so all I need to do is point
2nd my other friend, had a flat tire, although he had insurance car france in prestige rental from the rental car, they do not cover flat tire (the tire busted, needed replacement), he rented with Discover, so they cover the cost of new tire and labour
I would tend to think that for most Visa and Amex cards, the rental coverage perk was never really designed to be a perk .or maybe it was long ago but no long is. Seems like there s far too many hoops to jump through and too many gotchas for these to be really worth while.
Can t wait for the next post on this. I don t normally worry about this much because my company s rental agreement provides LDW as part of the contracted rate, but I m always looking for ways to protect myself when I head out on my own dime.
A number of years ago I slid into a guardrail in a snowstorm and the rental car s bumper car france in prestige rental was dented (to the tune of $1400 in their inflated version of auto body repair). Had rented with a Visa, and at the time didn t own a car or have other coverage. Visa paid the whole amount, no problem, car france in prestige rental and with very minimal hassle.
Rented vehicle in CA for a trip to Vegas last week. Paid with AMEX BRG 17.95$ per rental. Accident on I15 in Vegas (additional driver driving and was ticketed at fault). Rental vehicle damaged and was towed away. Other vehicle was damaged but could be driven. Case opened with AMEX Enterprise. AMEX has confirmed that they will cover entire cost for damaged vehicle (including Tow, Loss of use etc). Personal insurance to cover liability car france in prestige rental part (damages to other vehicle). Final decision is still not made on coverage personal insurance will provide.
[...] Illinois Indiana Michigan Ohio Wisconsin- Winter Storm: Great Lakes Free Delta changes Recent Commentsjoseph m on Delta UP s the Customer car france in prestige rental Experience on Trans-con sSummary what card type will Delta Points use to rent cars? Answer: It depends on 1,2,3 Delta Points on Are you really car france in prestige rental safe saying NO to extra rental car insurance when paying with VISA?Paul @ Padorec on Delta UP s the Customer Experience on Trans-con sKen on Tamara talks about travel insurance car france in prestige rental too what more can we learn?longroller on Are you better off using your AMEX card to rent a car for added insurance?Blogroll [...]
I think most of the car rental companies in Asia-Pacific region leverage insurance for their customers. In fact the business competition between Amex and Visa actually benefits more for the customers. Car rental in Bahrain isn t a different scenario.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.