Does American Express Cover Car Rental Insurance?

Understanding Car Rental Insurance

Car rental insurance is a type of coverage that is offered to individuals who are renting a car for a period of time. It is designed to provide coverage for any damage that may occur to the rental vehicle while it is in use by the renter. This type of insurance is typically offered by the rental car company at the time the customer is making the rental agreement. However, some credit cards, such as American Express, also offer car rental insurance coverage.

American Express Car Rental Insurance

American Express offers a variety of different credit cards that come with car rental insurance coverage. This coverage is available to customers who have an American Express card that is eligible for the coverage. Customers who have an eligible card can use their card to pay for the rental car and be covered by the car rental insurance that is provided by American Express. The coverage is provided for up to 30 consecutive days of rental car use.

Eligible American Express Cards

Not all American Express cards come with car rental insurance coverage. To be eligible for the coverage, customers must have one of the following American Express cards: The Gold Card, The Platinum Card, Platinum Business Card, Centurion Card, Business Gold Card, Corporate Gold Card, and the Business Platinum Card. If a customer has one of these cards, they can use it to pay for their rental car and be covered by the car rental insurance coverage.

Coverage Details

The coverage that is offered by American Express includes both liability and physical damage coverage. The liability coverage provides protection for any damage that is caused to another vehicle or property while the customer is using the rental car. The physical damage coverage provides protection for any damage that is caused to the rental car while it is in the customer’s possession. The coverage is provided on a secondary basis, meaning that it will only kick in after the customer’s own auto insurance coverage has been exhausted.

Limitations

While American Express car rental insurance coverage can provide protection for customers in the event of an accident, there are certain limitations and exclusions that apply to the coverage. The coverage does not provide protection for any damage that is caused by a customer’s negligence or reckless behavior. It also does not provide coverage for any damage that is caused by a natural disaster or any other event that is beyond the customer’s control. Furthermore, the coverage does not provide protection for any damage that is caused to the rental car by an authorized driver.

Conclusion

American Express offers car rental insurance coverage to customers who have an eligible American Express card. The coverage provides protection for any damage that is caused to the rental car while it is in the customer’s possession. However, it is important to note that there are certain limitations and exclusions that apply to the coverage. It is important for customers to understand the coverage details before using their American Express card to pay for a rental car.