Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Chase | Ultimate Rewards
Reload this Page >

Chase Auto Rental CDW; questions & experiences [Consolidated]

Chase Auto Rental CDW; questions & experiences [Consolidated]

    Hide Wikipost
Old Jan 17, 19, 8:35 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: SanDiego1K
Wiki Link
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)

CSR details: https://www.chase.com/card-benefits/...reserve/travel

Submit claim at eclaimsline.com
Print Wikipost

Reply

Old May 5, 15, 11:48 pm
  #1  
Original Poster
 
Join Date: Aug 2014
Posts: 2,458
Chase Auto Rental CDW; questions & experiences [Consolidated]

I currently use Amex's PCRP, which has worked as advertised on a number of occasions, and without any hassle.

I was thinking of switching to CSP due the lack of an additional surcharge per rental, but I am troubled by the ambiguous language in the terms and conditions.

For example, CSP excludes "expensive. . . automobiles, vehicles that have an open bed. . . selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered" but then doesn't specify which particular models of BMW, Mercedes, Cadillac, and Lincoln are covered. The terms and conditions also don't appear to define "expensive".

If I have any questions, I am to call the Benefits Administrator, which frankly seems impractical and inconvenient. Am I supposed to call each time I rent a luxury car to see if it's covered?

Has anyone had any issues using CSP's primary rental car insurance protection?

Thanks in advance!

Last edited by iluvdoco; May 5, 15 at 11:56 pm
iluvdoco is offline  
Reply With Quote
Old May 6, 15, 1:02 am
  #2  
 
Join Date: Aug 2011
Programs: American, Hawaiian, United
Posts: 97
I would just pay the $24.95. Why change when it works. It worked for me when my rental was involved in a major hit and run while it was parked. Absolutely no hassles. AMEX took care of everything including the rental companies attempt to try and charge for loss of revenue, which was more than the damage.
Crandall is offline  
Reply With Quote
Old May 6, 15, 2:38 pm
  #3  
 
Join Date: Jul 2013
Posts: 384
Originally Posted by iluvdoco View Post
If I have any questions, I am to call the Benefits Administrator, which frankly seems impractical and inconvenient. Am I supposed to call each time I rent a luxury car to see if it's covered?
Yup. Unless you want to take the chance on whether or not you're covered.
takeshi74 is offline  
Reply With Quote
Old May 6, 15, 8:29 pm
  #4  
Original Poster
 
Join Date: Aug 2014
Posts: 2,458
Thanks Crandall and takeshi74. Think I'll stick with AMEX.
iluvdoco is offline  
Reply With Quote
Old May 6, 15, 11:12 pm
  #5  
FlyerTalk Evangelist
 
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Gold
Posts: 12,379
Originally Posted by iluvdoco View Post
For example, CSP excludes "expensive. . . automobiles, vehicles that have an open bed. . . selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered" but then doesn't specify which particular models of BMW, Mercedes, Cadillac, and Lincoln are covered. The terms and conditions also don't appear to define "expensive".
I never did like that verbiage in the terms because of its vagueness. Diner's Club/MasterCard for example has a $50,000 MSRP maximum in their terms which is a lot more concrete and less easily weaseled out of, unless of course you rent a car worth more than that. Since Silvercar was so open about the MSRP of their Audi A4s (around $31,000 IIRC), that upcoming rental is going to be going on DC instead of CSP.

Would the Benefits Administrator for the CSP likely have approved the A4 rental? Perhaps, but unless I got that in the mail in writing I can imagine a situation where they claim the rental was never approved and I have to try to prove otherwise. Not good.
tmiw is online now  
Reply With Quote
Old May 6, 15, 11:29 pm
  #6  
 
Join Date: Jul 2013
Posts: 1,839
The Amex primary rental insurance covers all SUVs and all luxury cars for same price? No need to have Amex issued Amex cards to purchase that coverage right?
Blueskyheaven is offline  
Reply With Quote
Old May 7, 15, 12:56 pm
  #7  
Original Poster
 
Join Date: Aug 2014
Posts: 2,458
Originally Posted by Blueskyheaven View Post
The Amex primary rental insurance covers all SUVs and all luxury cars for same price? No need to have Amex issued Amex cards to purchase that coverage right?
There are 2 tiers; for $19.95 per application, covers cars/trucks up to $75K in value; for $24.95, covers up to $100k in value. And unlike CSP, Amex would appear to cover pickup trucks.
iluvdoco is offline  
Reply With Quote
Old May 7, 15, 2:42 pm
  #8  
 
Join Date: Jul 2013
Posts: 1,839
Originally Posted by iluvdoco View Post
There are 2 tiers; for $19.95 per application, covers cars/trucks up to $75K in value; for $24.95, covers up to $100k in value. And unlike CSP, Amex would appear to cover pickup trucks.
so it is the value of the vehicle you are renting and not the type of cars?
Do we have to google search to know the value of car before buying the Amex coverage?
Blueskyheaven is offline  
Reply With Quote
Old May 7, 15, 5:28 pm
  #9  
Original Poster
 
Join Date: Aug 2014
Posts: 2,458
Originally Posted by Blueskyheaven View Post
so it is the value of the vehicle you are renting and not the type of cars?
Do we have to google search to know the value of car before buying the Amex coverage?
Some cars are excluded, but generally Amex goes by the MSRP of the rental car.

See the summary of terms and conditions below.

https://www295.americanexpress.com/p...verage/home.do

I would say most ordinary rental cars are probably covered, unless you're renting a specialty Maserati or Escalade or Mercedes that might be well optioned and have a high MSRP.
iluvdoco is offline  
Reply With Quote
Old May 7, 15, 5:39 pm
  #10  
 
Join Date: Feb 2009
Programs: IHG,Hyatt, Hilton Diamond, Marriott, Wyndham, SPG, United, Delta, Alaska, AA, Southwest
Posts: 4,720
$24.95 for PRIMARY insurance is well worth it for us as our shortest rentals are 6 days.

My wife's corporate insurance through National includes LDW but we still use the Amex and pay the $25................better safe than sorry even though they say it's ok to use the corp rate
flyer4512 is offline  
Reply With Quote
Old Jun 4, 15, 8:42 am
  #11  
Suspended
 
Join Date: Feb 2007
Posts: 1,264
Experience with Primary CDW on Chase MileagePlus Card or Any Other Card?

Hi,

I'm going overseas for a 3 weeks stay in Europe. Will be renting a car for that period.

A nice perk of the Mileage Plus card is that it offers primary CDW instead of secondary CDW. I'd like to know people's experience with this if they have been unfortunate enough to have an accident.

In particularly, I've read reports that with secondary CDW, the rental company bills your card for the damages and then you have to work it out with visa to get reimbursed. This can require getting all sorts of documentation. Is it the same with primary CDW?


Thanks.
inpd is offline  
Reply With Quote
Old Jun 4, 15, 8:49 am
  #12  
FlyerTalk Evangelist
 
Join Date: Apr 2013
Location: SFO
Programs: UA 1K 1MM; AS MVPG; Marriott Plat Premier; Hilton Diamond (Aspire); Hyatt Refugeeist
Posts: 39,101
Originally Posted by inpd View Post
A nice perk of the Mileage Plus card is that it offers primary CDW instead of secondary CDW.
You are confusing insurance with a collision damage waiver. The credit card provides insurance for damage to the vehicle. Rental car companies sell damage waivers. They are not the same thing.

In particularly, I've read reports that with secondary CDW, the rental company bills your card for the damages and then you have to work it out with visa to get reimbursed. This can require getting all sorts of documentation. Is it the same with primary CDW?
That has nothing to do with the type of coverage you have. That's the car rental company policy. The only way to avoid having your card charged for damage to the vehicle is to purchase the rental company's CDW.

Last edited by Kacee; Jun 4, 15 at 9:08 am
Kacee is offline  
Reply With Quote
Old Jun 4, 15, 9:26 am
  #13  
A FlyerTalk Posting Legend
 
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 40,683
If there is damage to the vehicle and you do not purchase the company's CDW, you are responsible. If you have CDW through a CC or any other coverage for that matter, you then make your claim to that funding pot.
Often1 is offline  
Reply With Quote
Old Jun 4, 15, 9:36 am
  #14  
A FlyerTalk Posting Legend
 
Join Date: Apr 2004
Location: GVA (Greater Vancouver Area)
Programs: DREAD Gold; UA 1.021MM; Bonvoy Au-197; PCC Elite+; CWC Au-197; CCC Elite; WoH Dis
Posts: 48,724
Also, make sure your card covers you for the specific country you will be driving in. Some countries are very restrictive in this respect. For example, the only U.S. card you can use for primary coverage in Israel is a World MasterCard (I know it's not Europe, but there may be European countries with similar restrictions).
mahasamatman is offline  
Reply With Quote
Old Jun 4, 15, 9:45 am
  #15  
Senior Moderator, Moderator: United MileagePlus & FlyerTalk Cares
 
Join Date: Jun 1999
Location: SFO
Programs: UA 1.7 MM/Plat; AS MVP 75K; AA gold; Fairmont & Starwood platinum; Hyatt diamond; Kimpton IC Elite
Posts: 17,334
I'm going to move this to our Chase credit card forum. I believe there are similar threads there already that might be helpful to you.

l'etoile
UA moderator
l'etoile is offline  
Reply With Quote

Thread Tools
Search this Thread