pugsley21

I had a similar incident with one of my rentals. I was hit by a drugged up person with no insurance.

You will have to have a police report, declined additional coverage at the rental agency and have paid the entire rental card bill with your CSP card.

Chase paid almost $5k for the damages for my rental. Very happy with them for this benefit.

beltway

Note long-running discussion (& links in wiki) at http://www.flyertalk.com/forum/chase...t-changes.html

Wise-Broccoli8301

Back story: Some dude backed up into me while I was waiting for another parking spot. I'm more annoyed at the prospect of paperwork and the process more than anything else as the damage was light and to teh bumper.

The rental was with Hertz (declined coverage with them). What are the steps for using Chase's Primary CDW coverage on the Sapphire Card? Do I report to Hertz AND Chase simultaneously? Or do I report to Hertz first and wait for them to bill me?

The reason I ask is because my gf and I got into a situation like this 3 years ago and after HOURS of calling Hertz and Amex (we had the premium AMEX rental coverage back then prior to Chase going primary), we figured they wanted us to report to Hertz first, and then only contact AMEX once we get billed. My confidence is like 75% on that because everyone we spoke to was generally incompetent or clueless. In the end Hertz never contacted us back or even charged us. It was a minor bumper damage too, and I'm guessing unless its serious damage they don't really bother pursuing all repairs.

I figure I'd try my dice here asking if anyone has had experiences or has any definitive knowledge on the process before I embark on a painful customer service phone roulette game....

pugsley21

Call the number on the back of your CSP. They should and will most likely cover it. I had a lady hit me in my rental and I called and after a few packets of paperwork they paid.

robbierob03

Originally posted this in the wrong thread:

I'm considering getting the CSP where the primary auto rental coverage is a large reason I would hold the card. The linked terms and conditions say I would need to put the entire charge on the CSP and decline the rental company's insurance.

I searched but I can't find any discussion of using a rental company's points to offset the rental costs. The prior discussion of using UR points and not having primary coverage makes sense, you haven't put the entire charge on the CSP. But by using Hertz points for example, it shows on the receipt as using a coupon and the full amount of taxes and fees are put on the card.

I typically use Hertz points I earn for personal trips since they usually have a decent value, and if the CSP wouldn't provide protection for points rentals that really affects the math in keeping it long term.

garykung

Have all related information ready. Then call the phone number in the benefit guide for Primary CDW benefit.

Report all relevant parties ASAP.

You will have to call the benefit administrator for a more detailed description. In general, all award redemption are excluded unless specified otherwise. In other word, to protect yourself, the coverage for award should be explicitly spelled out.

robbierob03

I need to wait a week in order to apply for the CSP to get under 5/24, but I'll be curious if the answer changes between using the words "award redemption" and "promotional coupon". I only have experience with Hertz but award redemptions are simply coupons that apply to the rental. Not trying to skirt any rules, but if they'll deny any claim with a coupon attached that's a limitation I wasn't expecting.

garykung

IMHO - the wording ("award redemption"/"promotional coupon") is not the issue. It is how it looks in the invoice. Remember, the benefit administrator can see that your base rate has been deducted, not in a discount, but totally.

FlyingDoctorwu

any experience with how CDW works when renting via Autoeurope or any sort of other company which works via a prepaid voucher?

thanks
FDW

whoknew89

Current in Hawaii and had my car parked, by valet, and it was hit while parked overnight, either by one of the other valet drivers or other passengers as the self-parking lot is apparently attached.

The hotel valet staff had me fill an incident report and was told that their insurance/claim company would handle contacting National. However, the car is still able to be driven, the damage is a soft ball sized ding in the drivers side top finder.

My questions is:

Should I file a police report.
Should I call national and let them know before bringing the car back in.
Should I allow the hotels car valet company to handle the claim.
Should I go ahead and get the benefits center at Chase involved?


Thank you for all the help in advance!

garykung

Sure. There is no harm for doing this.

Not necessary. But make sure you have the paperwork filed out.

No if you can.

In National's perspective, you are the renter. So you bear the ultimate responsibility.

Yes - the worst case is a waste of time.

STS-134

But if they're willing to own up to their mistake and pay for the damage, why not? That's the right thing to do on their part, regardless of who National holds responsible. It sounds like they at least acknowledged responsibility, and at least the OP's story is better than mine. I was in Puerto Rico when I gave my car to the valet and it came back with a big gash in the side. The valet (actually the guy at the front desk of the hotel) wasn't there in the morning, and when I confronted him about it the following night, he claimed that he "didn't remember" anything that happened. I had to say that I did the damage in order to get MasterRental to pay the claim (damage was below the $500 deductible for my personal insurance) which really pissed me off.

garykung

I am not saying that the valet company should not pay for anything. In fact, the valet company should pay for everything per OP.

However, National does not care who or which is responsible. As soon as OP's name is on the rental contract and CDW is not included, National will go after OP unless someone (OP or not) to pay up.

IMHO - once National has the final bill drawn, OP should demand the same amount from the valet company and the amount should be payable to OP. OP then will pay National. It sounds complicated. But it can ensure that OP will not be caught between National and the valet company.

missamo80

I absolutely would for both. This is the whole point to primary rental coverage. Make Chase deal with it, you have better things to do with your life. Chase covers the damage, and they can decide if they want to go after the valet company to get their money back.

Call Chase and make it their problem. That's why you have the card and use it to rent cars.

Neil

james89

I've had to use both the $24.95 Amex insurance and CSP insurance for little issues. Both were able to get the job done, but Chase was more work on my end.

Amex - caught a pretty large rock that immediately cracked the windshield of a rental car in Germany. The rental return immediately noticed it, and I was charged 700 or so EUR for repair and loss of use, on the spot. Amex mentioned this would happen and recommended I dispute the charge while going through the claim process. The claim process was easy - I sent Amex copies of all of the paperwork, a photo of the vehicle and damage, and a month later the issue was resolved.

Chase - ran over a raccoon or something running across the highway and destroyed the front bumper of a Camry. While Chase did eventually cover, I had to pay National's initial estimate of repair+loss of use (refunded later) and chase National around for a few weeks for paperwork.

If I'm renting internationally (especially if I'm not good at the language) I'll use Amex, otherwise Chase will get the job done.