Originally Posted by
tr3k
Could someone clarify the terms of this program. It says in the sample terms: "Coverage is activated when the Cardmember uses an Enrolled Card to pay the rental fee for the Rental Car and the Cardmember signs the rental agreement for that Rental Car"
Does it mean that the coverage is available in addition to CDW (in those cases where declining CDW is not possible or practical)?
In the past standard Amex rental car coverage had language to that effect (allowing CDW to be accepted), but current standard coverage contracts no longer include that language.
We're not really sure what you are asking. If you enroll your Amex card in the program and you pay for the rental with your Amex, you will immediately be charged the coverage fee at the outset of the rental, and PCRP from Amex will be in force for that rental. You are not under any obligation to decline the CDW from the car rental company. The coverage is in effect regardless. It is pretty comprehensive coverage except that it does not include liability coverage (no credit card policies do).