Does American Express Platinum Cover Rental Car Insurance?

Are you a frequent traveler? Are you an American Express Platinum cardholder? If so, you may be wondering whether your American Express Platinum cards will cover rental car insurance. The good news is that most American Express Platinum cards offer rental car protection, so you can enjoy peace of mind when you're on the road.

What Is Covered

When you use your American Express Platinum card to rent a car, you will typically be covered for damage or theft of the rental vehicle. This includes damage due to collision, fire, flooding, hail, wind, theft, and vandalism. You'll also be protected if the rental car is stolen while you're traveling. As long as the rental car is used for personal or business purposes, you'll be covered.

What Is Not Covered

American Express Platinum cards do not cover any liability coverage for the rental car. This means that you will be responsible for any damage that you cause to other people or property while using the rental car. You'll also be responsible for any medical expenses or other damage resulting from an accident. Additionally, American Express Platinum cards do not cover any damage to the rental car if it is used for racing, competitive driving, or other prohibited activities.

Making a Claim

If you need to make a claim for rental car damage covered by your American Express Platinum card, you should contact the American Express claims department. You'll need to provide the name of the rental car company and the dates of your rental period. You will also need to provide a copy of your rental agreement and a copy of the police report, if applicable. Once your claim is approved, American Express will reimburse you for the cost of the repairs.

Additional Coverage

In addition to rental car protection, American Express Platinum cards offer a wide range of benefits, including travel insurance, purchase protection, and extended warranty coverage. With these benefits, you can enjoy greater peace of mind when you travel or make purchases with your American Express Platinum card.

Conclusion

American Express Platinum cards offer rental car protection, so you can enjoy peace of mind when you're on the road. However, it's important to remember that this coverage does not include liability coverage for the rental car. Additionally, American Express Platinum cards offer a variety of other benefits, such as travel insurance, purchase protection, and extended warranty coverage. With these benefits, you can enjoy greater peace of mind when you use your American Express Platinum card.