Apr 3, 2024, 10:08 am
Last edit by: mia
This thread discusses American Express PREMIUM Car Rental Protection. This is an extra cost service that is offered only to cardholders residing in the USA. This is not the same as the Collision Damage Waiver (CDW) that is a standard benefit of many American Express cards.
Premium Car Rental Protection website: https://feeservices.americanexpress....erage/home.do A chart comparing Premium to the standard CDW benefit is at the bottom of that page.
Premium Car Rental Protection offers Primary coverage. Primary means only that the insurer pays first when there is a covered claim. It does not imply that the coverage is superior. The standard CDW provided with USA issued American Express cards provides Secondary coverage if the cardholder has other collectible automobile insurance. If you do not have an automobile insurance policy, or if your policy does not cover rental cars in the area where you are traveling, the standard CDW Waiver becomes Primary.
Premium Car Rental Protection website: https://feeservices.americanexpress....erage/home.do A chart comparing Premium to the standard CDW benefit is at the bottom of that page.
Premium Car Rental Protection offers Primary coverage. Primary means only that the insurer pays first when there is a covered claim. It does not imply that the coverage is superior. The standard CDW provided with USA issued American Express cards provides Secondary coverage if the cardholder has other collectible automobile insurance. If you do not have an automobile insurance policy, or if your policy does not cover rental cars in the area where you are traveling, the standard CDW Waiver becomes Primary.
AMEX (USA) Premium Car Rental Protection
May 17, 2016, 6:26 pm
#196
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,017
When I looked years ago I don't think it was $1mm coverage but was slightly better than state minimums - I could be wrong though. Usually non-owned auto and an umbrella are better than having to pay a rental agency every time and covers you when you are driving other people's vehicles that aren't rentals. If you rent/drive infrequently then the per use may be more cost effective but non-owners policies can be a mere $200-ish per year.
May 18, 2016, 12:31 am
#197
Join Date: Jun 2004
Posts: 3,774
TravelinSperry, who do you recommend for the non-auto owners policy? I've also been trying to get an umbrella personal liability policy and have run into brick walls because either (1) we don't have U.S. auto insurance, or (2) although we have condo insurance, they will only increase our liability related specifically to incidences at the condo and not in general since we also partly live abroad (even though I've said I only need the coverage for occurrences in the U.S.).
May 18, 2016, 6:42 am
#198
Join Date: Jan 2010
Posts: 698
who do you recommend for the non-auto owners policy? I've also been trying to get an umbrella personal liability policy and have run into brick walls because either (1) we don't have U.S. auto insurance, or (2) although we have condo insurance, they will only increase our liability related specifically to incidences at the condo and not in general since we also partly live abroad (even though I've said I only need the coverage for occurrences in the U.S.).
May 18, 2016, 11:49 am
#199
Join Date: Jun 2004
Posts: 3,774
Thanks. I have tried my condo insurance agent and they insist that the only umbrella liability they can provide me will cover incidences actually occurring at the condo (e.g. someone falls in our home) and nothing more, and they claim this is because I have a home abroad. Even when I tried to explain to them that I'm not looking for coverage for incidences outside of the U.S. but only within the U.S., but I want all intra-U.S. occurrences covered, not just if something happens at our home.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
May 18, 2016, 5:52 pm
#200
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,588
Thanks. I have tried my condo insurance agent and they insist that the only umbrella liability they can provide me will cover incidences actually occurring at the condo (e.g. someone falls in our home) and nothing more, and they claim this is because I have a home abroad. Even when I tried to explain to them that I'm not looking for coverage for incidences outside of the U.S. but only within the U.S., but I want all intra-U.S. occurrences covered, not just if something happens at our home.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
May 18, 2016, 6:01 pm
#201
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,017
I own a second home in the U.S., so the permanent U.S. address is no problem. We just don't own a car in the U.S. for the time being, so always rent when we are visiting our second home.
TravelinSperry, who do you recommend for the non-auto owners policy? I've also been trying to get an umbrella personal liability policy and have run into brick walls because either (1) we don't have U.S. auto insurance, or (2) although we have condo insurance, they will only increase our liability related specifically to incidences at the condo and not in general since we also partly live abroad (even though I've said I only need the coverage for occurrences in the U.S.).
TravelinSperry, who do you recommend for the non-auto owners policy? I've also been trying to get an umbrella personal liability policy and have run into brick walls because either (1) we don't have U.S. auto insurance, or (2) although we have condo insurance, they will only increase our liability related specifically to incidences at the condo and not in general since we also partly live abroad (even though I've said I only need the coverage for occurrences in the U.S.).
Thanks. I have tried my condo insurance agent and they insist that the only umbrella liability they can provide me will cover incidences actually occurring at the condo (e.g. someone falls in our home) and nothing more, and they claim this is because I have a home abroad. Even when I tried to explain to them that I'm not looking for coverage for incidences outside of the U.S. but only within the U.S., but I want all intra-U.S. occurrences covered, not just if something happens at our home.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
The reason I had actually contacted my existing agent was because I'd read about Travelers and they are listed as a Travelers agent. Sounds like I need to try to push them once more or change agents.
As for non-auto a variety of companies write such a policy, although I had to speak slowly and have patience when explaining to people what I sought. Some reps weren't aware their companies write them.
I would try GEICO or possibly AAA for non-auto if I didn't have USAA.
May 18, 2016, 6:56 pm
#202
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
I believe the home is Denmark is the primary residence and the home in Orlando is the second/vacation/holiday home. It would be imprudent to mislead the insurer to think that the second home is the primary residence.
May 18, 2016, 11:18 pm
#203
Join Date: Jun 2004
Posts: 3,774
I use USAA for my non-auto policy. It requires eligibility which you may not have. I too looked into an umbrella policy although currently don't have one. I don't see why you need to discuss your second home with whomever you write the Umbrella with since they won't cover it anyway and you understand that.
As for non-auto a variety of companies write such a policy, although I had to speak slowly and have patience when explaining to people what I sought. Some reps weren't aware their companies write them.
I would try GEICO or possibly AAA for non-auto if I didn't have USAA.
As for non-auto a variety of companies write such a policy, although I had to speak slowly and have patience when explaining to people what I sought. Some reps weren't aware their companies write them.
I would try GEICO or possibly AAA for non-auto if I didn't have USAA.
I had contacted Geico and received a 'no' for umbrella since we have no auto insurance with them but perhaps I went about it wrong as I wasn't asking for non-owned auto at the time, only personal liability umbrella.
I will try again with both Travelers and Geico and ask for non-owned auto plus umbrella.
Thanks for the recommendations and advice.
Sep 2, 2016, 9:44 am
#206
Join Date: Jun 2015
Location: DTW
Programs: Alaska, Delta, Southwest
Posts: 1,663
Re-register New Card?
Hi all,
I didn't find any reference to this issue anywhere else... Does enrollment extend to all cards on your account, or just the one(s) you had upon signing up? (I don't recall now if I had to select a card when I enrolled.)
I had a Blue Cash Preferred with Premium Rental Coverage, which I closed after signing up for a Premier Rewards Gold. I got a letter in the mail indicating my coverage was suspended since the card was canceled, but when I went online to enroll, it said I already had it.
Anyone else experienced this?
I didn't find any reference to this issue anywhere else... Does enrollment extend to all cards on your account, or just the one(s) you had upon signing up? (I don't recall now if I had to select a card when I enrolled.)
I had a Blue Cash Preferred with Premium Rental Coverage, which I closed after signing up for a Premier Rewards Gold. I got a letter in the mail indicating my coverage was suspended since the card was canceled, but when I went online to enroll, it said I already had it.
Anyone else experienced this?
Sep 17, 2016, 3:26 pm
#207
Join Date: Nov 2014
Posts: 14
Guys,
Need your expert suggestions. I rented a car in Montana with Alamo and unfortunately hit the car to a tree and the front bumper was completely damaged. I had amex premium car rental protection so filed a claim with them. Now rental company is asking for total of 8000 $ including repair cost and out of which 3000 is diminished value. I just read Amex terms and conditions they wont cover Diminished value
.. I am not sure what to do now.. can I file a claim with my own insurance carrier (geico) will they cover this ? please advise am really worried.
Thanks
Need your expert suggestions. I rented a car in Montana with Alamo and unfortunately hit the car to a tree and the front bumper was completely damaged. I had amex premium car rental protection so filed a claim with them. Now rental company is asking for total of 8000 $ including repair cost and out of which 3000 is diminished value. I just read Amex terms and conditions they wont cover Diminished value
.. I am not sure what to do now.. can I file a claim with my own insurance carrier (geico) will they cover this ? please advise am really worried.Thanks
Sep 17, 2016, 3:41 pm
#208
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
In the sample Description of Coverage it states that Benefits will not be paid under this Plan for any of the following...5. diminishment of value, unless required by law; Do you know what the law is in Montana?
I would wait to see what American Express' insurer does pay, and if Alamo then demands further payment from you.
If you have a good relationship with your personal insurance agent you could discuss it now, but be careful because some companies with charge the accident against your rating history even if they pay nothing.
I would wait to see what American Express' insurer does pay, and if Alamo then demands further payment from you.
If you have a good relationship with your personal insurance agent you could discuss it now, but be careful because some companies with charge the accident against your rating history even if they pay nothing.
Sep 17, 2016, 4:46 pm
#209
Join Date: Jun 2015
Location: DTW
Programs: Alaska, Delta, Southwest
Posts: 1,663
Hi all,
I didn't find any reference to this issue anywhere else... Does enrollment extend to all cards on your account, or just the one(s) you had upon signing up? (I don't recall now if I had to select a card when I enrolled.)
I had a Blue Cash Preferred with Premium Rental Coverage, which I closed after signing up for a Premier Rewards Gold. I got a letter in the mail indicating my coverage was suspended since the card was canceled, but when I went online to enroll, it said I already had it.
Anyone else experienced this?
I didn't find any reference to this issue anywhere else... Does enrollment extend to all cards on your account, or just the one(s) you had upon signing up? (I don't recall now if I had to select a card when I enrolled.)
I had a Blue Cash Preferred with Premium Rental Coverage, which I closed after signing up for a Premier Rewards Gold. I got a letter in the mail indicating my coverage was suspended since the card was canceled, but when I went online to enroll, it said I already had it.
Anyone else experienced this?
Sep 17, 2016, 5:02 pm
#210
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,017
In the sample Description of Coverage it states that Benefits will not be paid under this Plan for any of the following...5. diminishment of value, unless required by law; Do you know what the law is in Montana?
I would wait to see what American Express' insurer does pay, and if Alamo then demands further payment from you.
If you have a good relationship with your personal insurance agent you could discuss it now, but be careful because some companies with charge the accident against your rating history even if they pay nothing.
I would wait to see what American Express' insurer does pay, and if Alamo then demands further payment from you.
If you have a good relationship with your personal insurance agent you could discuss it now, but be careful because some companies with charge the accident against your rating history even if they pay nothing.
Either way Hertz gets their money.
Does any cc insurance cover diminished value? Visa, MC?