Originally Posted by
beep88
- I can find no wording that says CANADIAN AMEX car insurance is secondary. For US-issued cards, the basic coverage is secondary and they have optional primary insurance at additional cost.
- With Visa (most if not all Canadian Visa cards, including Aerogold) coverage, drivers authorized by the renter are also covered for LDW/CDW, even though such drivers are not authorized by the rental company (for example you did not pay additional driver's fee). These drivers must of course have their own 3rd party liability insurance in order to drive the rental car legally.
This could get complicated, because a lot of rental car companies (and the state of California) allow spouses to legally drive the vehicle for free even if they are not the renter, just as long as they are named on the rental agreement. Isn't it just the renter that needs to have the 3rd party coverage? Or is it the driver (if it happens to be the spouse driving at the time of the accident)?