American Express Rental Car Insurance Coverage

What is American Express Rental Car Insurance Coverage?

American Express rental car insurance coverage is designed to provide important coverage for those who rent cars while traveling. This coverage is intended to provide protection for policyholders in the event of an accident, theft, or other damage to their rental car. It is important to note that American Express rental car insurance coverage is not a replacement for your existing personal auto insurance policy, but rather an additional form of coverage that can provide important protection while traveling.

What Does American Express Rental Car Insurance Cover?

American Express rental car insurance coverage generally provides coverage for physical damage to the rental car and liability coverage for damages resulting from an accident. Additionally, the coverage may also provide for coverage for towing, loss of use, personal effects, and other rental car related expenses. It is important to note that coverage may vary based on the policy and the state you are renting in, so it’s important to check your policy for specifics.

Who is Eligible for American Express Rental Car Insurance Coverage?

American Express rental car insurance coverage is available to cardholders of American Express credit cards or charge cards. Additionally, the primary driver of the rental car must be an American Express cardholder and the rental car must be charged to the card. It’s important to note that the coverage may only be available in certain states, so it’s important to check your policy for the specific coverage available in your state.

How to Make a Claim With American Express Rental Car Insurance Coverage

If you are involved in an accident while using an American Express rental car insurance coverage, it is important to contact the rental car provider as soon as possible. Additionally, you will need to contact American Express to initiate a claim. You may be asked to provide documentation of the accident and American Express may have additional requirements for the claims process. It is important to note that American Express may also require that you file a claim with your own personal auto insurance provider before the American Express rental car insurance coverage will provide coverage.

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

American Express rental car insurance coverage is intended to provide coverage for damages and liabilities resulting from an accident. However, there are some things that are not covered by the coverage. This includes damages resulting from driver negligence, damages to other vehicles or property, and personal injury damages. Additionally, American Express rental car insurance coverage does not cover rental cars that are used for business purposes and coverage may not be available in certain states.