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]
Jan 30, 2020, 6:22 pm
#421
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Beside - many requirements are actually universal among states, like NY or TX. Even both states do not specifically mention all options and just claim it as insurance, they do accept all 4 methods in satisfying financial responsibility.
In fact, car rental companies have their rental cars self-insured, so that they need not to pay premiums, effectively saving millions.
Next time, check the paperwork inside the car, you should be able to see a self-insurance certificate inside the car.
Jan 30, 2020, 10:44 pm
#423
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Jan 31, 2020, 3:57 am
#424
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The eclaim form now has a 'car sharing' claim option, so things are (slowly) moving that way...
You are mixing up the preconditions for registering a vehicle (ie get a plate) and the insurance add ons. The 25 or 35k is pretty much required by all states otherwise the owner of the car cannot register it. And all rental cars have this insurance in place, covering the basics and if you hit someone/something with the rental the damage to the other party is ALWAYS covered. The limits of the liability insurance are debatable though. What is not/never covered is damage to the rental. That you cover using the add on you pruchase with the rental or the insurance you have with Chase.
You are mixing up the preconditions for registering a vehicle (ie get a plate) and the insurance add ons. The 25 or 35k is pretty much required by all states otherwise the owner of the car cannot register it. And all rental cars have this insurance in place, covering the basics and if you hit someone/something with the rental the damage to the other party is ALWAYS covered. The limits of the liability insurance are debatable though. What is not/never covered is damage to the rental. That you cover using the add on you pruchase with the rental or the insurance you have with Chase.
Jan 31, 2020, 7:36 am
#425
Join Date: Jan 2003
Location: NYC
Posts: 8,498
You are mixing up the preconditions for registering a vehicle (ie get a plate) and the insurance add ons. The 25 or 35k is pretty much required by all states otherwise the owner of the car cannot register it. And all rental cars have this insurance in place, covering the basics and if you hit someone/something with the rental the damage to the other party is ALWAYS covered. The limits of the liability insurance are debatable though. What is not/never covered is damage to the rental. That you cover using the add on you pruchase with the rental or the insurance you have with Chase.
Jan 31, 2020, 9:42 am
#426
Join Date: Sep 2014
Posts: 2,531
Yesterday I rented a car at a neighborhood Enterprise location and used my Sapphire card. When I refused their insurance and said that my card provides primary insurance, the lady asked if I also have normal car insurance because they 'don't accept credit card insurance'. Can they actually do that?
As mentioned in this thread CA, TX, NY, and many other states don't require the rental company to provide this (many other states do). Most personal car insurance policies cover liability while driving a rental. If you don't have personal car insurance you can also get a temporary or permanent non-owner policy for while you're driving rentals and borrowed cars.
So it's not that they "don't accept" that insurance but that she was asking about a different kind of insurance.
Jan 31, 2020, 12:40 pm
#427
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I think what she was trying to say is "ok the credit card will cover damage to the rental vehicle, but what about third party liability insurance?"
As mentioned in this thread CA, TX, NY, and many other states don't require the rental company to provide this (many other states do).
As mentioned in this thread CA, TX, NY, and many other states don't require the rental company to provide this (many other states do).
https://www.hertz.com/rentacar/reser...RAGES&EOAG=LAX
Jan 31, 2020, 1:13 pm
#428
Join Date: Sep 2014
Posts: 2,531
I believe that NY provides minimum third-party liability insurance to renters. In fact, if the renter has no other auto insurance, the car-rental company's minimal coverage is primary, meaning that the company cannot sue the renter for any claims it pays to third parties (up to the limits of the minimal coverage). Here's Hertz' policy about this:
https://www.hertz.com/rentacar/reser...RAGES&EOAG=LAX
https://www.hertz.com/rentacar/reser...RAGES&EOAG=LAX
Point is: in some states you must carry your own liability insurance, Chase credit card does not offer this, and the rental company is within its rights to ask.
Jan 31, 2020, 2:24 pm
#429
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Feb 6, 2020, 2:50 pm
#430
Join Date: May 2019
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In Mexico, had first damage to rental car ever. Drive from SJD airport out towards Cabo Pulmo (ie, far far away from Cabo San Lucas!)
Put a tennis ball sized dent in the bumper from hitting a rock or something.
Pretty embarrassing.
Spent an hour reading this thread, and just dropped car off at Alamo.
Drove up, told them I damaged the car.
Went inside, did some paperwork, signed some things, and they charged me on the spot for the repairs (ridiculously cheap).
I figured I did $1500USD in damage. It worked out to them charging me $350 or so - which seemed wild.
Anyway, paid then and there. Got all the documents and just filed claim on eclaimsline while in the PP lounge here in SJD.
Since the amount was so little, I’m not going to stress about it. But, I did everything Chase requests (denied CDW at rental, etc).
I was worried since here they require liability, so I did the minimum of that needed to complete rental.
But, seems that’s normal here and shouldn’t be a problem.
—
Agree with others, the eclaimsline site is... antiquated.
It’s not impossible, but, it’s certainly not consumer friendly.
I get back to USA tonight, but have to fly out of country tomorrow morning... so I won’t be able to check for a while.
But, I’ll update this thread when the claim is accepted/denied.
I think it’s pretty straightforward. Hoping CSR comes through for the win!
Put a tennis ball sized dent in the bumper from hitting a rock or something.
Pretty embarrassing.
Spent an hour reading this thread, and just dropped car off at Alamo.
Drove up, told them I damaged the car.
Went inside, did some paperwork, signed some things, and they charged me on the spot for the repairs (ridiculously cheap).
I figured I did $1500USD in damage. It worked out to them charging me $350 or so - which seemed wild.
Anyway, paid then and there. Got all the documents and just filed claim on eclaimsline while in the PP lounge here in SJD.
Since the amount was so little, I’m not going to stress about it. But, I did everything Chase requests (denied CDW at rental, etc).
I was worried since here they require liability, so I did the minimum of that needed to complete rental.
But, seems that’s normal here and shouldn’t be a problem.
—
Agree with others, the eclaimsline site is... antiquated.
It’s not impossible, but, it’s certainly not consumer friendly.
I get back to USA tonight, but have to fly out of country tomorrow morning... so I won’t be able to check for a while.
But, I’ll update this thread when the claim is accepted/denied.
I think it’s pretty straightforward. Hoping CSR comes through for the win!
Feb 6, 2020, 4:08 pm
#431
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CDW and Liability are completely separate coverages, for different risks. Chase does not provide any Liability coverage, and buying it from the car rental company has no bearing on CDW eligibility.
Feb 8, 2020, 9:16 am
#432
Join Date: May 2019
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At the time, I just said ‘sure, if it’s required, I’ll take it.’
I wasn’t careful to make sure I wasn’t signing up for CDW without wanting it. So, I was relieved to see that it was just some basic liability.
Anyway, I’m waiting to see what the eclaimsline folks say, but, everything is uploaded and I’m just waiting.
Feb 11, 2020, 10:09 pm
#434
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Feb 13, 2020, 6:27 pm
#435
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In Mexico, had first damage to rental car ever. Drive from SJD airport out towards Cabo Pulmo (ie, far far away from Cabo San Lucas!)
Put a tennis ball sized dent in the bumper from hitting a rock or something.
Went inside, did some paperwork, signed some things, and they charged me on the spot for the repairs (ridiculously cheap).
I figured I did $1500USD in damage. It worked out to them charging me $350 or so - which seemed wild.
Put a tennis ball sized dent in the bumper from hitting a rock or something.
Went inside, did some paperwork, signed some things, and they charged me on the spot for the repairs (ridiculously cheap).
I figured I did $1500USD in damage. It worked out to them charging me $350 or so - which seemed wild.