My new Chase United Explorer card never arrived before my previous card expired; I realized that 6 weeks after the expiration date. Chase issued me a new one with a new account number. I tried to get a new Letter of Eligibility of the Auto Rental Collision Damage Waiver benefit for the new account number and kept getting error messages.
After a few calls, I learned that Chase changed providers as of October 1, 2024. This benefit is no longer underwritten by Indemnity Insurance Company of North America, but Virginia Surety Company, Inc.
The amount of coverage has also been reduced; it is now capped at $60,000.
Here is the text of the new letter:
Dear Rental Agency Representative:
This letter confirms the above named person is eligible for Auto Rental Coverage through their Chase credit
card, ending in XXXX and is eligible for worldwide coverage. This includes the countries of the Republic of
Ireland, Northern Ireland, Israel, and Jamaica. Coverage is not available where it is prohibited by law or by
individual merchants or is in violation of the territory terms of the rental agreement.
Insurance Type: Auto Rental Coverage
Coverage: The Auto Rental Coverage provides reimbursement up to $60,000 for covered theft or collision
damage, including
The cost to repair the Rental Car.
Reasonable towing expenses to the nearest collision repair facility.
Valid loss-of-use charges imposed and substantiated by the Rental Agency.
Administrative fees imposed by the Rental Agency
Inside the United States and outside the United States (where this benefit is available) the coverage provided is
primary. For New York Residents, inside the United States coverage is primary unless you have personal
automobile insurance in which case it is excess.
Who is covered: Only You, the individual to whom a Covered Card Account has been issued, as the primary renter of the
Rental Vehicle, and any additional drivers permitted by the Rental Car Agreement are covered.
The following must be met in order for coverage to apply:
1. Only vehicle rental periods which neither exceed nor are intended to exceed thirty-one (31) consecutive days are
covered.
2. The Loss/Damage Waiver offered by the rental agency must be declined by the cardmember in any state or
country except where prohibited by law.
Purchase of Liability Coverage will NOT void the Auto Rental Coverage benefit.
3. The entire rental transaction must be secured and charged to the eligible card.
4. Anyone driving other than the person whose name is embossed on the card must be listed as an authorized
driver on the rental contract.
5. The damage or theft must have taken place during the rental period as outlined on the rental agreement and
acknowledged by the cardmember or authorized driver.
Certain vehicles are not covered by this benefit, including: exotic vehicles or any vehicle with a dealer or manufacturer's
suggested retail price greater than $125,000, and antique cars (cars over twenty (20) years old or that have not been
manufactured for ten (10) years or more), cargo vans, trucks (other than pick-ups), motorcycles, mopeds, motorbikes,
limousines and vehicles that are rented with a driver, recreational vehicles, and passenger vans with seating for more than
twelve (12) people including the driver.
Please note that other terms and conditions, as defined in the Guide to Benefits, may apply. If you have
questions regarding the Auto Rental Coverage, please call us at 1-800-350-2919 (U.S.) or 1-214-503-2953
(Outside U.S.), 24 hours a day, 7 days a week. We accept relay service calls.
Thank you,
Card Benefits Administration
This program is underwritten by Virginia Surety Company, Inc., an Assurant® company