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]
May 5, 2015, 11:48 pm
#1
Original Poster
Join Date: Aug 2014
Posts: 3,723
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!
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, 2015 at 11:56 pm
May 6, 2015, 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.
May 6, 2015, 2:38 pm
#3
Join Date: Jul 2013
Posts: 384
May 6, 2015, 11:12 pm
#5
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
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".
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.
May 7, 2015, 12:56 pm
#7
Original Poster
Join Date: Aug 2014
Posts: 3,723
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.
May 7, 2015, 2:42 pm
#8
Join Date: Jul 2013
Posts: 1,872
Do we have to google search to know the value of car before buying the Amex coverage?
May 7, 2015, 5:28 pm
#9
Original Poster
Join Date: Aug 2014
Posts: 3,723
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.
May 7, 2015, 5:39 pm
#10
Join Date: Feb 2009
Posts: 6,607
$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
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
Jun 4, 2015, 8:42 am
#11
Suspended
Join Date: Feb 2007
Posts: 1,273
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.
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.
Jun 4, 2015, 8:49 am
#12
A FlyerTalk Posting Legend
Join Date: Apr 2013
Location: PHX
Programs: AS 75K; UA 1MM; Hyatt Globalist; Marriott LTP; Hilton Diamond (Aspire)
Posts: 56,467
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?
Last edited by Kacee; Jun 4, 2015 at 9:08 am
Jun 4, 2015, 9:26 am
#13
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
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.
Jun 4, 2015, 9:36 am
#14
A FlyerTalk Posting Legend
Join Date: Apr 2004
Location: GVA (Greater Vancouver Area)
Programs: DREAD Gold; UA 1.035MM; Bonvoy Au-197; PCC Elite+; CCC Elite+; MSC C-12; CWC Au-197; WoH Dis
Posts: 52,140
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).
Jun 4, 2015, 9:45 am
#15
Senior Moderator; Moderator, Eco-Conscious Travel, United and Flyertalk Cares
Join Date: Jun 1999
Location: Fulltime travel/mostly Europe
Programs: UA 1.7 MM;; Accor & Marriott Pt; Hyatt Globalist
Posts: 17,831
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
UA moderator