Auto Rental CDW is primary coverage. In other words, when your rental is primarily for business purp

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If you decline the Collision Damage Waiver (CDW) offered by the car rental agency, but charge the rental to a credit euro disney hotels card offering primary euro disney hotels car rental coverage, the credit card insurance will usually pick up the bill for physical damage/theft, loss-of-use charges, and towing for the rental car if you get into an accident  (up to the coverage limit) without requiring you to file a claim with your personal car insurance company.
euro disney hotels Note that primary car rental euro disney hotels insurance will NOT cover damage to the other car, any property damaged, and injuries to you or others.  You are still liable for those damages and your personal car insurance policy may cover those claims.
Many folks think that having primary car rental insurance via a credit card means that the credit card insurance pays the bill for ALL damages.  That is NOT true!  It only pays the bill for damages to your rental car!
If you were to get in an accident in the US, the secondary car rental credit card insurance would require you to file a claim with your personal auto insurance provider, and would then pay you only the deductible on your personal euro disney hotels car insurance policy.
However, if you don t have a car insurance policy in the US, secondary rental car insurance on a credit card will work as primary rental car insurance and will usually pay for physical damage/theft, loss-of-use charges, and towing euro disney hotels charges for the rental car.   Note that you are still liable for damages to other property and persons.
Similarly outside the US, most secondary credit card rental car insurance will actually be primary rental car insurance and will pay for physical damage/theft, loss-of-use charges, and towing charges for the rental car.  You will still be liable for damages to other property and persons.
Auto Rental CDW is primary coverage. In other words, when your rental is primarily for business purposes, you do not have to claim payment from any source of insurance before receiving coverage under the benefit.
However, if you are on a personal trip and you use your Business card to rent a covered vehicle, Business Auto Rental CDW supplements, and applies excess of , any valid and collectible insurance or reimbursement benefits from any source.
It does not duplicate insurance provided by or purchased through the auto rental company; it will not pay for losses reimbursed by your own insurer, employer, employer's insurance, or any other valid and collectible insurance. Auto Rental CDW will reimburse you for the deductible portion of your personal automobile insurance, valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered damage or theft of a rental vehicle euro disney hotels while it is your responsibility.
Bottom Line:   I personally don t value primary rental car insurance, because I m comfortable filing a claim with my personal car insurance company for damage to a rental car in the US.  Primary rental car insurance doesn t cover damage euro disney hotels to other persons or property or the rental car occupants, and that s what I want to most protect euro disney hotels myself against.
But, some folks like car rental primary euro disney hotels insurance coverage in the US.  Just be careful to not expect primary car rental insurance coverage when you use a business credit card which offers primary insurance for a personal car rental.
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Nice post! I agree that my normal insurance is still 100% necessary, since liability coverage would likely be the most important part of my needs in an accident *knock on wood*. However, since I have the MileagePlus Explorer anyway (at least for this year!), I figure I may as well use it to take advantage of primary CDW. Saving that deductible is better than saving nothing and worth it to me in the opportunity cost of only earning 1 mile per dollar using that card vs. 2 miles on a different card.
Is there a specific euro disney hotels (VI, MC, AMEX) that provides better coverage outside the USA? Interested in Belgium and Germany for some upcoming travel. I seem to recall reading somewhere that the Sapphire MasterCard version had coverage that others didn t provide-although that might have been specific to a country (Israel?)
I was going to throw in Diners but chief Diners Club Evangelist @GaryLeff beat me to it lol! I didnt realize the United Explorer was primary good to know! Thanks Daraius, this is a good reference for people!
I have the Chase Ink, Sapphire, Chase United Mileage Plu, Delta Amex. I am in the US. Do any of these provide liability and CDW? I usually use my Delta Amex but was told that it does not cover liability. I am confused. Sorry and thanks for clarifying.
So just to be clear, if I have a U.S. insurance policy (full coverage) for the cars I own, it is never necessary to add any insurance from the car rental company whatsoever right? Or what is the benefit of adding the car rental agency s insurance? They always make a blurb about how your own insurance doesn t cover something, but I don t think I full understand euro disney hotels that.
Credit card companies when providing secondary coverage WILL NOT require you to file with your personal auto carrier before they pay on a property damage claim. The will want a copy of your declarations page to see the coverage you carry and to verify what your deductible is and that is it. If you then want to pay the difference or file with your insurance then that is your choice.
Take note: NY, and MN residents. If you carry auto insurance in these 2 states and even if it s just liability that you carry, your insurance company will still be in the primary position euro disney hotels to cover the property damage to the rental vehicle unless you purchased primary coverage from the credit card company. When you rent a vehicle coverage will be applied euro disney hotels under the liability portion of the policy. The majority of TX auto policies euro disney hotels are still this way, but the policy language in some of the newer written policies have changed to apply coverage under collision.
Ivan If you carry collision on your personal auto policy it is not necessary to purchase coverage, but that doesn t mean that you shouldn t. It boils down to personal preference. Figure out what will best benefit you. Do you want the hassle euro disney hotels of filing a claim with your carrier for damages, paying a deductible + fees charged on a rental car companies claim, and possibly having your insurance euro disney hotels rates rise as a result of the claim?? I ve seen it go both ways. It s a great thing to have and your thankful you had it when you needed it, but then if nothing happens then you think why did I purchase coverage when I have insurance.
Thanks euro disney hotels for the response Josh. Well then if have your own US auto insurance policy and then use a credit card that provides coverage, what coverage does the credit card provide? I m not sure I understand all that.
1 If you do not have collision coverage on your personal policy, then you should either euro disney hotels pay for it with the rental, or use a card that provides it. Because if you don t have collision coverage, and you back into a pole, it s going to cost you more than you think. Many people do not have collision coverage, because it s not required in most states, and most people buy the cheapest insurance they can find.
2 If you do have collision coverage on your own policy, and you back into a pole, your regular insurance will cover it. Buy your rates may go up! That s the main reason to use a credit card that will provide primary coverage, without making you talk to your insurance company first.
The personal insurance coverage applicable to damage to your rental car is Collision Coverage. I don t carry Collision Coverage on my personal car. When I dented my Avis rental, euro disney hotels Visa covered all the costs without too much hassle, except euro disney hotels this: I had to prove that I had no Collision Coverage, which I did by signing an affidavit. I figured that if Visa had any contact with my insurance euro disney hotels carrier, it might raise my premium, so the affidavit didn t even give the carrier s name.
Ivan The credit card secondary coverage would cover your deductible that you carry with your personal euro disney hotels auto insurance. If it s a Visa they will cover a portion and sometimes in full the loss of use and administrative fees in addition to your deductible if those items aren t covered under your personal auto policy.
euro disney hotels Amex Same as above, but will only cover admin fees charged on rentals that originate in California. Loss of use, Amex requires that the rental car companies fleet utilization be greater than 85% during time of repair before they will consider paying any loss of use.
Does it get a bit trickier when one doesn t charge the whole rental to the credit card? Say, one rents by redeeming euro disney hotels FF points (Delta, Avios, ThankYou points, etc ) Aren t there specific terms of service excluding coverage for rentals not paid in full with their cards? Got a couple rentals upcoming, BOS and overseas euro disney hotels at USM Any pointers will be appreciated!
but not a gift card from the rental car agency, this is how they make money on those groupon/offers where they sell you a discount gift card but that invalidates the CC insurance, at least it does for AMEX.
Hey Ivan I know Josh already answered (and knows W A Y more about this than I do) but I was wondering the same thing before my trip to Puerto Rico a few weeks ago. I rented a car with my Sapphire VISA which provides CDW (according to its documents) and my personal insurance policy (and this could be different from yours) covered liability on any rental in the US, including Puerto Rico.
I declined all rental