American Express Gold Car Rental Insurance: All You Need to Know

What is American Express Gold Car Rental Insurance?

American Express Gold Car Rental Insurance is a protection plan offered by American Express that covers the cost of repair or replacement of a rented vehicle in the event of an accident, theft, or other damage. The coverage is available for rentals of up to 30 days and is offered to cardholders of the American Express Gold Card. It can be used to cover the cost of repair or replacement of a rented vehicle when the rental is charged to the cardholder's American Express Gold Card.

What Does American Express Gold Car Rental Insurance Cover?

American Express Gold Car Rental Insurance covers the cost of repair or replacement of a rented vehicle, up to the actual cash value, in the event of theft, collision, or other damage. It also covers towing charges and loss of use charges, up to the limits of the policy. It does not cover personal injury or liability, damage to property, or medical expenses. It does not cover personal property in the vehicle, such as luggage or recreational equipment.

How Does American Express Gold Car Rental Insurance Work?

In order to be eligible for American Express Gold Car Rental Insurance coverage, the renter must charge the full cost of the rental to their American Express Gold Card. The coverage is automatically activated when the rental is charged to the cardholder's account. The cardholder does not need to purchase additional coverage from the rental company, as the American Express coverage is considered primary. If the cardholder does purchase additional coverage from the rental company, the American Express coverage will be secondary.

What is Not Covered by American Express Gold Car Rental Insurance?

American Express Gold Car Rental Insurance does not cover personal injury or liability, damage to property, or medical expenses. It does not cover personal property in the vehicle, such as luggage or recreational equipment. It does not cover damage caused by driving on unpaved roads, acts of God, or any damage caused by the driver's negligence or misuse of the vehicle.

What Limitations Does American Express Gold Car Rental Insurance Have?

American Express Gold Car Rental Insurance has several limitations. It is only available for rentals of up to 30 days and is not available for rentals outside of the United States. It is also not available for commercial or freight vehicles, or vehicles not approved by American Express. The coverage is only available to cardholders of the American Express Gold Card.

What Should I Do If I Need to File a Claim?

If you need to file a claim for damage to a rented vehicle, you should contact American Express as soon as possible. Be sure to have your American Express Gold Card and the rental agreement available. You will also need to provide documentation of the incident and a repair estimate from a licensed repair facility. American Express will review the claim and contact you with a decision. If the claim is approved, American Express will send you a check for the amount of the repair or replacement.