Originally Posted by
HookemHorns
Note that if you enroll, all your AmEx cards are enrolled...if you want to go without, you'll have to use a non-AmEx card for the rental, otherwise it auto-bills with each rental.
The workaround here is to call the Premium Car Rental Coverages dept right after the rental commences and have them remove the coverage for the particular rental you don't want the coverage applied for. They will credit your account for the premium billed immediately.
Originally Posted by
HookemHorns
It is primary insurance, and covers:
- Doesn't appear to be any limitation on exotics/expensive cars
None that I've encountered so far.
Originally Posted by
HookemHorns
It DOES NOT cover:
- Trucks (except pickups), cube vans, box trucks, mini-leases, modified vehicles, vehicles over 20 years old or not manufactured in 10 years, limos, off-road vehicles, mopeds, RVs, golf carts, campers, and trailers
It does however cover large luxury SUV's, which many of today's CC coverages avoid.
Originally Posted by
MarshKing
AmEx's plan does not cover damage caused to other cars, and it proved to be a total pain to get AmEx to cover the loss of use fee that the car company charged. AmEx said that they would pay it if the car company provided documentation that there had lost revenue from having the car out of service, however the car company would not provide it. AmEx advised me to not pay that fee, however after the car company sent the account to collections, I got sick of the whole ordeal, caved, and paid it.
This page has information on AmEx's program.
Lose of use is covered
if the rental agency provides a copy of the "Fleet Utilization Log" for that day, which justifies the "loss of use". IME, the majors (National/Alamo/Enterprise, Avis/Budget, Hertz, Dollar/Thrifty) will not provide this documentation. Ever. But, Amex should recognize this (as they've done with me a couple of times) and while they don't "pay" the billed loss of use fee from the agency, they will "courtesy" credit you back that exact amount if you pay said fee with the covered Amex card used for rental.
Hope this helps.
