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Old Feb 17, 2021 | 1:41 pm
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Join Date: Nov 2004
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Originally Posted by Bowgie
The unique aspect of Chase Sapphire Reserve's car rental insurance is that it is Primary Insurance. This means that it pays ahead of any other insurance like your personal auto policy. As mentioned above, the auto insurance that Chase contracts with is not going to pay unless forced to. This is the same for all other credit cards with car rental insurance benefits. It isn't a scam, per se, but just how insurance companies make money.

For ANY credit card insurance for coverage, I recommend taking that card's car rental insurance's terms and conditions with you on the trip. The terms and conditional for Chase Sapphire's coverage is multiple pages. Follow everything to the letter!
I have no personal experience (knock on wood), but isn't the Amex premium rental coverage (not complimentary) in house? It's underwritten by "Amex Assurance Company", which sounds like a division under the Amex "umbrella." Perhaps this discussion belongs in a different thread.

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