Originally Posted by seamaster73 (Post 15472387)

i hope so...because i would be displeased to have a 1000+ bill if something happened to the rental car and i thought i was covered...:td:

Originally Posted by jackal (Post 15472375)

Don't know about administrative fees and diminished value charges, but IIRC, Amex recently (within the last two years) modified their T&C to now include coverage for LOU charges.

Originally Posted by PhillyInvestor

We just received our Premium Rental Car Protection policy in the mail from Amex. Here's the relevant language regarding loss of use:
In my case, Avis indicated on their invoice that their utilization rate was only 56%, so Amex wouldn't have covered the charge.

Administrative fees and diminished value charges are listed in the policy under "Excluded items."

FWIW, I've heard of instances where Amex was able to convince the rental company to waive these other charges, but it seems hit-or-miss. I posed a question about this in the Amex forum recently but got no response.

Originally Posted by guv1976 (Post 15477751)

[SIZE=1]But what about the "unless otherwise required by law" language? If Alabama law puts the renter on the hook for loss of use based on the percentage of fleet utilization, would Amex be required to cover the LOU charge?

Originally Posted by dieuwer2 (Post 15514754)

I didn't know about the AMEX Premium Car Rental Protection. It surely seems very attractive, but I do not see any reference to LOU on the AMEX website https://www295.americanexpress.com/p...source=CCSG#01.

I would buy primary coverage if everything was covered: damage, theft, LOU, administrative fees, etc.
Until then I just buy the LDW.

Originally Posted by jackal

It isn't anywhere on the website, but it is in the actual policy's full terms and conditions. See post #17 above, where PhillyInvestor excerpted the relevant section.

Edit: I found one of the copies of the PCRP's full T&C. Not sure if this is the most up-to-date (I thought I had a PDF that was newer), but this is what Amex sent me when I asked: http://flyertalk.s3.amazonaws.com/docs/pcrp.doc

Originally Posted by guv1976 (Post 15517004)

The problem will occur if the rental-car company refuses to provide the fleet-utilization logs to Amex

Originally Posted by PhillyInvestor (Post 15517082)

This article indicates that Avis, as a matter of policy, doesn't provide fleet-utilization logs:

http://www.creditcards.com/credit-ca...-vary-1273.php

Originally Posted by dieuwer2

I had a look at the table. In all cases where LOU is covered, a fleet utilization log is required as proof. Since most rental car companies will NOT relinquish this log, LOU will not be recoverable. A risk I am NOT willing to take.

Perhaps Kimberly Esquivel from the article should have sued Discover and the rental car company up to the Supreme Court for misrepresentation, false information, obstruction of the law, and blackmail.

Originally Posted by guv1976 (Post 15519101)

Wirelessly posted (BlackBerry8530/5.0.0.601 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)



May I ask why you are not willing to take the risk of having to pay an LOU charge out of pocket? It seems to me that if you rent cars with some frequency, then -- unless you are particularly accident prone or have bad luck with third parties' damaging or stealing your rental car -- the money you would save by relying on the free (secondary) rental-car coverage provided by many credit cards, instead of purchasing LDW from the rental company, would likely offset the occasional LOU charge you might someday get hit with. Also, if you ever have occasion to rent in New York State, be aware that New York does not currently permit rental-car companies to recover for LOU or administrative fees. (That is scheduled to change sometime in 2013.)

Originally Posted by dieuwer2 (Post 15519154)

I rarely rent cars. But when I do for a day, I usually decline LDW. However, when I rent a car for a week, I pay for LDW.

Originally Posted by jackal (Post 15519718)

My mode has been to accept LDW if renting for a day (or 3 if in a market like New York where LDW is cheap) and to decline LDW and use my Amex PCRP on longer rentals.

Originally Posted by PhillyInvestor (Post 15522097)

How do you get out of paying for Amex PCRP when you accept LDW?