Originally Posted by
guv1976
Amex premium coverage is for rentals of
42 consecutive days or less, unless the cardholder resides in Washington, in which case the coverage is for 30 consecutive days or less. Here's a link to the coverage description (see the paragraph headed, "Premium"):
https://www152.americanexpress.com/f...al/coverage.do
Thanks for pointing that out. When I joined, 3-4 years ago, I swear it was only 21 days. Good news. I never bothered to check this out because I can't remember a rental I have had that lasted more than 11 days. I stand corrected.
Originally Posted by
guv1976
In your earlier post, you wrote, "But LM told me I am covered for other cars in an accident but no [sic] the rental car I am driving." If your insurer does not cover you for damage to rental cars, you would simply have to provide proof of that (i.e., a copy of your Liberty Mutual policy stating that you are not covered for damage to rental vehicles) to the credit card issuer, and the credit card's "secondary" LDW would become primary in your case, because you have no other collectible insurance coverage.
Which means I would have to file a claim with my insurance carrier (LM). I am aware that a cc's "secondary" LDW kicks in where my primary leaves off. However, I would like to leave my insurance carrier out of the loop in the event of an accident (higher rates due to claim). The majority of rentals are for biz reasons (self-employed) which means the Amex coverage translates to tax deductible. So the "pain" of spending the extra with each rental is lessened a bit.
I realize that $100K coverage for a car is high but the $24.95-version of Amex' plan also includes $100K AD&D.