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Will Amex cancel my cards for too many rental car damage claims?

Will Amex cancel my cards for too many rental car damage claims?

Old Jun 23, 11, 2:36 pm
  #1  
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Join Date: Sep 2004
Location: (not Montana. Nor is my name really Helena, nor am I female)
Programs: Delta, USAirways, Starwood, Priority Club, Marriott, Amex
Posts: 2,557
Will Amex cancel my cards for too many rental car damage claims?

I don't really have all THAT many. Just one a couple of years ago in Austria, then a claim last November for a tiny nick on the window that I protested and the car rental co. dropped, so Amex didn't pay anything, then one last month for a small dent I actually caused - total damage about 900 euros last month and maybe 700 to 1200 euros a few years ago.

But since I could conceivably ding a rental car every time I rent one, I just wonder if anyone's heard of Amex canceling cards for excessive rental car damage claims. If they do, I assume they'd cancel all Amex cards, right? Or would it be just the one with the claims (i.e., would it reduce my risk if I cycled between my 3 different Amex cards for car rentals)?

Last edited by Helena Handbaskets; Jun 23, 11 at 3:08 pm
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Old Jun 24, 11, 1:17 am
  #2  
 
Join Date: Jun 2011
Programs: BAEC Silver, Virgin Flying Club, SPG
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Generally no, Cards are not cancelled for "too many" claims on insurance.

The insurance is offered in good faith, and if you make claims, those claims will either be considered valid/covered and paid out - or they won't be considered covered and the claim won't be paid.

Sometimes insurances have clauses that cap the maximum (amount or number of claims) that can be made by the insured party within a year for certain things, so I think the worst that could happen is that your insurance stops paying out in the event you reach your maximum cover. You would have to check your specific insurance docs for this information though.

If on the other hand there is cause to believe a customers has abused any of the insurances with falsified or innaccurate claims then insurance cover can be removed and depending on the situation this *could* I believe result in your card being cancelled in certain cases. Its rare that this would happen I think - and I'm not suggesting this in any way applies to your situation
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