Feb 13, 2017, 4:55 pm
Last edit by: Boraxo
Note: because of state laws, the CDW that Chase provides on several of its higher-end cards is only secondary coverage, not primary, for residents of Minnesota, New York, North Dakota, Rhode Island, and Texas. (report)
For MN Specifically: Statute 65b.49.5a requires that auto policies issued in the state must cover damage to rental cars with a $0 deductible as part of property liability coverage, even if the policy holder does not have comprehensive or collision coverage on their personal vehicle. This requires insurers to cover "loss of use" and damage with a minimum limit of $35,000 (even if the policy general property damage limit is lower) in 1995 dollars with a paragraph stating this number should be adjusted with CPI, so that's nearly $70k of minimum coverage as of 2023. Even if you are renting in a different state, your MN auto policy will still apply. Chase Benefit Administrators have interpreted this statute to mean that your personal auto insurance supersedes the coverage provided by Indemnity Insurance Company of North America.
Important Note: Uhaul cargo vans are specifically excluded from coverage so do not rely on Chase card for CDW if renting UHaul or similar.
Links to coverage documentation: CSR CSP INK Preferred
Submit claim at eclaimsline.com
For MN Specifically: Statute 65b.49.5a requires that auto policies issued in the state must cover damage to rental cars with a $0 deductible as part of property liability coverage, even if the policy holder does not have comprehensive or collision coverage on their personal vehicle. This requires insurers to cover "loss of use" and damage with a minimum limit of $35,000 (even if the policy general property damage limit is lower) in 1995 dollars with a paragraph stating this number should be adjusted with CPI, so that's nearly $70k of minimum coverage as of 2023. Even if you are renting in a different state, your MN auto policy will still apply. Chase Benefit Administrators have interpreted this statute to mean that your personal auto insurance supersedes the coverage provided by Indemnity Insurance Company of North America.
Important Note: Uhaul cargo vans are specifically excluded from coverage so do not rely on Chase card for CDW if renting UHaul or similar.
Links to coverage documentation: CSR CSP INK Preferred
Submit claim at eclaimsline.com
Chase Auto Rental CDW; questions & experiences [Consolidated]
Oct 1, 2017, 11:00 am
#211
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Hi All,
Quick question. When I rented a car, I paid with my Chase Sapphire Preferred Card, and I tried to decline all coverage from the rental car company (CDW, LDW etc...), but was instead put on LLDW. Long story short, I got into an accident, and need the extra coverage from Chase Sapphire. So I'm wondering whether I can argue that I didn't want the LLDW, and decline it after-the-fact?
Any insight would be appreciated.
Quick question. When I rented a car, I paid with my Chase Sapphire Preferred Card, and I tried to decline all coverage from the rental car company (CDW, LDW etc...), but was instead put on LLDW. Long story short, I got into an accident, and need the extra coverage from Chase Sapphire. So I'm wondering whether I can argue that I didn't want the LLDW, and decline it after-the-fact?
Any insight would be appreciated.
Limited loss damage waiver purchased from national car rental, covers damages up to 3,000 dollars to the rental car. Otherwise renter is responsible for remaining coverage.
I asked to decline all coverage, and the guy only offered me the Limited loss damage waiver (LLDW), instead of taking it all off completely (leaving me with the impression this was the lowest coverage possible). The rental occured in Philadelphia, PA. Now, I fear this will prevent me from using my Chase Sapphire CDW, as I attempt to pay over 15,000 dollars worth of damage. Any insight?
I asked to decline all coverage, and the guy only offered me the Limited loss damage waiver (LLDW), instead of taking it all off completely (leaving me with the impression this was the lowest coverage possible). The rental occured in Philadelphia, PA. Now, I fear this will prevent me from using my Chase Sapphire CDW, as I attempt to pay over 15,000 dollars worth of damage. Any insight?
Oct 9, 2017, 6:05 pm
#212
Join Date: Jan 2012
Programs: AMEX Platinum, Hyatt Diamond, RC/Marriot Platinum, Hilton Diamond, SPG Gold, IHG Platinum
Posts: 388
Seeking a definitive answer on renting a car in Costa Rica. Last time I visited (several years ago before the Sapphire Reserve) I was forced to purchase insurance, I am hoping that the Sapphire Reserve will allow me to not have to purchase any additional insurance but could not find a firm answer when searching FT or e-mailing/calling National or Hertz. I am trying to have my ducks in a row instead of having to battle this out at the rental counter upon arrival. Any insight would be greatly appreciated.
Oct 13, 2017, 1:19 pm
#213
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
I just talked to the Benefits Administrator about coverage.
I'm looking at renting in Australia. She said that Australia, New Zealand, Costa Rica and Italy all require CDW, so you can't decline.
But in those cases, Chase would provide secondary coverage.
So for instance, the rental I was looking at requires a $3000 AUD excess. So I would pay that and get reimbursed afterwards, if my rental suffered any damage.
I asked about how much they cover and she said $75000, for primary or secondary coverage, domestic and international.
I rented a car out of Munich a couple of months ago and the Europcar office there said if I don't take their coverage, the excess is 40,000 Euros for a BMW420d that I was renting.
Maybe they meant up to 40,000 Euros, not that any kind of ding would make them try to charge that much.
I'm looking at renting in Australia. She said that Australia, New Zealand, Costa Rica and Italy all require CDW, so you can't decline.
But in those cases, Chase would provide secondary coverage.
So for instance, the rental I was looking at requires a $3000 AUD excess. So I would pay that and get reimbursed afterwards, if my rental suffered any damage.
I asked about how much they cover and she said $75000, for primary or secondary coverage, domestic and international.
I rented a car out of Munich a couple of months ago and the Europcar office there said if I don't take their coverage, the excess is 40,000 Euros for a BMW420d that I was renting.
Maybe they meant up to 40,000 Euros, not that any kind of ding would make them try to charge that much.
Oct 13, 2017, 6:31 pm
#214
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,639
Oct 13, 2017, 8:45 pm
#216
Join Date: Aug 2005
Location: HPN
Programs: not anymore! I'm FREE!
Posts: 3,459
I called the 800 number and the Chase benefits rep said that if it is required by the local government or is for some reason included in the base cost of the rental that the coverage from Chase becomes secondary. If there is an excess (I assume this is their term for deductible), Chase will cover that.
Oct 13, 2017, 8:46 pm
#217
Join Date: Sep 2014
Posts: 2,531
Damage of less than 40k eur, no insurance -- you owe them the damage (pay for the repairs). Damage of more than 40k eur, you pay 40k eur and insurance pays the rest.
Oct 23, 2017, 1:49 pm
#218
Join Date: Jun 2008
Location: NYC
Posts: 214
What are people's experiences, specifically with length of review, with documents that require translation? Has anyone received a faster response using the Contact form over calling them?
I paid Budget/Avis for damages on a car I rented in France in late August. I submitted all of the documents online about one week after the incident. My status is still "Pend", and I have called the Administrator/Chase numerous times through Google Voice. Their response each time has been that they are waiting for translation. Last time I called them, my response was that French is not some obscure language, and it has been much more than the minimum 5 days stated on the website.
Additionally, how long has it taken for Chase to cut you a check?
The complication for me is that I live in Beirut. I will be going back go the US in a few weeks for just a couple of weeks so I obviously want to be able to deal this check while I am in the country.
I paid Budget/Avis for damages on a car I rented in France in late August. I submitted all of the documents online about one week after the incident. My status is still "Pend", and I have called the Administrator/Chase numerous times through Google Voice. Their response each time has been that they are waiting for translation. Last time I called them, my response was that French is not some obscure language, and it has been much more than the minimum 5 days stated on the website.
Additionally, how long has it taken for Chase to cut you a check?
The complication for me is that I live in Beirut. I will be going back go the US in a few weeks for just a couple of weeks so I obviously want to be able to deal this check while I am in the country.
Oct 25, 2017, 7:59 pm
#219
Join Date: Feb 2011
Posts: 131
Another driver hit my car and is liable for repair and rental.
I picked up the rental car and declined their CDW. I signed a rental car agreement <30 days which has a list of itemized charges that has the heading as Bill-to State Farm Pays: 100% which lists the charges and tax, and at the end ($sum of the amount). After that says Renter Charges, with Total estimated charge $0.00, and after that Payments - my CSR number - Authorized ($100.00), which was the deposit.
The rental car got dinged. Will Chase cover the repair, or do I need my personal auto insurance? Am I liable for any deductible (my personal auto insurance deductible is $250)?
I picked up the rental car and declined their CDW. I signed a rental car agreement <30 days which has a list of itemized charges that has the heading as Bill-to State Farm Pays: 100% which lists the charges and tax, and at the end ($sum of the amount). After that says Renter Charges, with Total estimated charge $0.00, and after that Payments - my CSR number - Authorized ($100.00), which was the deposit.
The rental car got dinged. Will Chase cover the repair, or do I need my personal auto insurance? Am I liable for any deductible (my personal auto insurance deductible is $250)?
Last edited by wonderboy; Oct 25, 2017 at 9:46 pm
Nov 1, 2017, 8:38 am
#221
Join Date: Jan 2000
Location: Ashburn, VA (IAD/DCA/BWI)
Posts: 2,748
I'm same situation with up coming Iceland rental. The high deductible CDW (~$3K) was included and I don't have to worry not being covered under CSR's CDW coverage.
Nov 9, 2017, 9:36 pm
#222
Join Date: Jul 2017
Posts: 4
Nov 9, 2017, 9:39 pm
#223
Join Date: Jul 2017
Posts: 4
Well, I'll have to see. Documentation is still being collected at this point. My claim has't been rejected. Besides I'll have to go to court if this doesn't work out... Way too much money otherwise...
Nov 22, 2017, 10:26 am
#225
FlyerTalk Evangelist
Join Date: Apr 2003
Location: Honolulu, Hawaiʻi [+MKK4 EBBER R577 EDSEL R577 ELKEY EXERT]
Posts: 15,826
Any experiences on whether the CSR covers administrative fees? Processing the paperwork now and see that the rental agency is asking for $50 in admin fees.