Amex Gold: Primary Insurer Benefits And More

The Amex Gold card offers secondary car rental insurance, meaning it does not include liability coverage. This type of insurance covers damage from an accident or theft on the renter's car after claiming your personal car insurance. This differs from primary car rental insurance, which is not offered by Amex Gold, as it covers damage from an accident or theft before claiming your personal car insurance. If you want primary car rental insurance with Amex, you can pay an additional fee for their Premium Car Rental Protection policy.

Amex Gold card rental car insurance benefit provides reimbursement for damages resulting from collision or theft of a rental vehicle

The Amex Gold card rental car insurance benefit provides reimbursement for damages resulting from collision or theft of a rental vehicle. The coverage is up to $50,000, or the actual cash value of the vehicle, whichever is less. To be eligible for this coverage, the cardholder must decline the rental agency's car rental insurance plan and pay for the rental with their Amex Gold card. Coverage is provided for rentals of up to 30 consecutive days and extends to eligible cardholders, their spouses, and any authorized drivers.

It's important to note that the Amex Gold card rental car insurance is secondary coverage, meaning you will first have to report the incident and file a claim with your primary car insurer before the Amex Gold card's coverage kicks in. American Express also offers its own primary car rental insurance, known as the Premium Car Rental Protection program, which cardholders can enrol in for a flat rate per rental vehicle.

When filing a claim for the Amex Gold card rental car insurance, you can visit the Car Rental Claim website or call (800) 338-1670 as soon as possible. You will need to provide copies of your rental car agreement, insurance information, any repair bills, and police reports. The claim review process usually takes around 45 days, and you can check the status online or by calling the provided phone number.

It's worth noting that the Amex Gold card rental car insurance does not provide liability coverage. Therefore, it's recommended to have separate liability insurance to cover any damage or injury to others in an accident. Additionally, certain vehicles and rental locations may be excluded from coverage, so it's important to read the fine print and understand the terms and conditions before relying on this benefit.

To be eligible for this coverage, the cardholder must decline the rental agency's car rental insurance plan

To be eligible for Amex Gold rental car insurance coverage, the cardholder must decline the rental agency's car rental insurance plan. This is because the Amex Gold card offers secondary car rental insurance, which means that in the event of damage or theft, you will need to claim with your personal auto insurance company first.

Secondary car rental insurance covers damage from an accident or theft on the renter's car after claiming with your personal car insurance. This is different from primary car rental insurance, which covers damage from an accident or theft before claiming with your personal car insurance.

If you damage another car in an accident or injure other people, you may be liable. This is why it's important to have liability insurance, which is not offered with the Amex Gold card. Therefore, it is recommended that you purchase liability insurance separately through the car rental agency.

By declining the rental agency's insurance plan and opting for secondary coverage with the Amex Gold card, you can benefit from coverage of up to $50,000 per rental agreement for damage or theft of the covered vehicle in the covered territory. This coverage extends to the cardholder, their domestic partner or spouse, and any authorized drivers listed on the rental agreement.

However, it is important to note that certain exclusions apply. For example, rentals in Australia, Italy, or New Zealand are not covered, and certain vehicles such as vans, motorcycles, and limousines may also be excluded. Additionally, the coverage does not extend to renters or drivers under the influence of substances or alcohol.

To activate the Amex Gold rental car insurance coverage, simply use the card to book and pay for the entire car rental, and then decline the collision damage waiver or similar coverage offered by the rental agency.

Amex Gold card rental car insurance is secondary, meaning you must first report the incident and file a claim with your primary car insurer

The Amex Gold card offers secondary car rental insurance, meaning that cardholders must first report the incident and file a claim with their primary car insurer before the Amex Gold card's coverage kicks in. This type of insurance covers damage from an accident or theft on the renter's car after claiming their personal car insurance. This is different from primary car rental insurance, which is not offered with the Amex Gold card, and covers damage from an accident or theft before claiming personal car insurance.

Amex Gold card rental car insurance is also known as a collision damage waiver (CDW) and does not include liability coverage. This means that if you damage another car in an accident or injure other people, you may be liable. Therefore, it is important to have liability insurance, which can be purchased separately through the car rental agency.

To activate the Amex Gold rental car insurance coverage, cardholders must use the card to book and pay for the entire car rental and decline the collision damage waiver (CDW) or similar coverage at the rental counter. Once the rental agreement is signed after following these steps, the secondary insurance coverage offered with the Amex Gold Card is activated.

If the rental car is damaged or stolen, a claim can be filed through the American Express claims centre online or by calling 1-800-338-1670. Cardholders will be asked to provide copies of their rental car agreement, insurance information, any repair bills, and police reports. Claim review usually takes around 45 days, and reimbursement for eligible expenses will appear on the card if the claim is approved.

It is important to note that the Amex Gold card rental car insurance has some exclusions. For example, rentals in Australia, Italy, or New Zealand are not covered, nor are certain vehicles such as vans, motorcycles, and limousines. Additionally, renters/drivers under the influence of substances or alcohol above the legal limit are not covered.

American Express offers its own primary car rental insurance through its Premium Car Rental Protection program

The Premium Car Rental Protection program covers a wide range of rental car types, including luxury vehicles, pickup trucks, and SUVs. It is available worldwide, with a few exceptions.

The cost of the Premium Car Rental Protection program depends on the coverage level selected and the cardholder's state of residency. For example, to get up to $100,000 in theft and damage coverage, Florida residents would pay $15.25 per rental, California residents are charged $17.95, and residents of all other states pay $24.95 per rental.

In addition to covering the rental car, the Premium Car Rental Protection program also provides:

• Up to $100,000 of accidental death or dismemberment coverage ($250,000 for California residents).
• Up to $15,000 for secondary medical expenses per person.
• Up to $5,000 for secondary personal property coverage ($15,000 for Florida residents).

However, it's important to note that liability coverage is not included in this program.

While most American Express credit cards don't automatically offer primary car rental coverage, cardholders can purchase this optional Premium Car Rental Protection policy. Enrollment is required for select benefits.

To enroll in the Premium Car Rental Protection program, cardholders can visit the American Express website, log in to their account, select the card they want to enroll, choose a plan, and review the program's terms and conditions.

Amex Gold cardholders are covered for up to \$50,000 or the actual cash value of the vehicle, whichever is less

The Amex Gold card offers secondary car rental insurance, which means it does not include liability coverage. This means that if you damage another car in an accident or injure other people, you may be liable. So, it is important to have liability insurance.

The Amex Gold card rental car insurance benefit provides reimbursement for damages resulting from collision or theft of a rental vehicle. Amex Gold cardholders are covered for up to $50,000 or the actual cash value of the vehicle, whichever is less. To be eligible for this coverage, the cardholder must decline the rental agency's car rental insurance plan.

The rental must be paid for with the Amex Gold card, and the coverage is valid for rentals of up to 30 consecutive days. The coverage includes the cardholder, their spouse, and any authorized drivers listed on the rental agreement.

It is important to note that certain vehicles and territories are excluded from coverage. For example, rentals in Australia, Italy, or New Zealand are not covered, and certain vehicle types such as vans, motorcycles, and limousines may also be excluded. Additionally, the coverage does not apply if the driver is under the influence of drugs or alcohol or engaging in illegal activities.

To file a claim for Amex Gold card rental car insurance, visit the Car Rental Claim website or call (800) 338-1670 as soon as possible. Keep in mind that this coverage is secondary, so you will first have to report the incident and file a claim with your primary car insurer before the Amex Gold card's coverage kicks in.

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