Does Your Chase Sapphire Reserve Auto Insurance Cover Montenegro?

If you're a Chase Sapphire Reserve cardholder, you can benefit from rental car insurance as one of the many perks that come with your credit card. This insurance covers theft, damage, loss-of-use charges, administrative fees and reasonable towing charges due to covered theft or damage. The coverage is valid in the United States and abroad, but there are some limitations. For example, only rentals lasting less than 31 consecutive days are covered, and valuables left inside a rented car that ends up damaged or stolen are not covered. Additionally, driving the rental car off-road can void insurance protections. To activate the insurance, you must decline the rental company's collision damage waiver and charge the entire rental cost to your Chase Sapphire Reserve card.

What is covered by the Chase Sapphire Reserve auto insurance?

The Chase Sapphire Reserve card offers primary rental car insurance coverage, meaning you don't have to report an incident to your personal auto insurance company. The card covers up to $75,000 in reimbursement for theft and collision damage, as well as loss-of-use charges, administrative fees, and towing charges. The policy covers most rental vehicles booked and paid for in full with your Chase Sapphire Reserve card, whether in the U.S. or abroad.

It's important to note that only the primary driver is covered, so if anyone else will be driving, their name must be added to the rental agreement. Additionally, not all rental vehicles are covered by the policy. Excluded vehicles include trucks other than pickups, motorcycles, mopeds, recreational vehicles, and passenger vans seating ten or more people.

The Chase Sapphire Reserve card also provides coverage for roadside emergencies, such as towing, jumpstarts, tire changes, locksmith services, and gas delivery. This benefit is available up to $50 per incident, four times a year.

To file a claim for car rental insurance, first, decline the car rental company's collision damage waiver when reviewing and signing the rental agreement. If theft or damage occurs, report it to your card's benefit administrator as soon as possible. You will need to provide various documents to support your claim, including the accident report, rental agreement, repair estimate, and itemized bill.

What is not covered by the Chase Sapphire Reserve auto insurance?

The Chase Sapphire Reserve auto insurance, also known as the Auto Rental Collision Damage Waiver, provides primary coverage for theft, damage, valid loss-of-use charges, administrative fees, and reasonable towing charges due to covered theft or damage. However, it's important to note that there are certain exclusions and limitations to this coverage. Here are the key points about what is not covered by the Chase Sapphire Reserve auto insurance:

• Rental Vehicles: The policy does not cover trucks other than pickups, motorcycles, mopeds, recreational vehicles, or passenger vans seating ten or more people, including the driver.
• Damage to Other Vehicles: The insurance does not cover damage to other drivers' vehicles. If you are involved in an accident with another vehicle, their damages will not be covered by this policy.
• Medical Bills: Any injuries sustained by you or other passengers are not covered. This includes medical expenses for both you and your passengers.
• Damage to Goods Inside the Vehicle: If there are any damages or theft of personal belongings inside the rental car, they are not covered. This includes luggage or any other items left inside.
• Off-Road Adventures: If you take the rental car off-road and encounter any incidents or damage, it will not be covered by the policy. The insurance is only valid for on-road use.
• Rental Period: The policy has a limit of 31 consecutive days for rental coverage. If your rental period exceeds this duration, it will not be covered.
• Driving Under the Influence: Any incidents or damages occurring while the driver is under the influence of drugs or alcohol, or participating in illegal activities, are not covered.
• Valuables: Valuables left inside the rented car that end up damaged or stolen are not covered. This includes items such as jewellery, electronics, or other personal belongings.
• Obligations Under Additional Agreements: The policy does not cover any obligations you assume under separate agreements, such as additional rental car insurance or waivers.
• Rental Agreement Violations: If you violate the terms of the rental agreement, the insurance coverage will not apply. This includes situations like unauthorised drivers or prohibited uses of the vehicle.
• Expenses Covered by Other Insurance: The Chase Sapphire Reserve auto insurance will not cover any expenses that are already reimbursed through other forms of insurance. It serves as a supplemental coverage to your existing auto insurance policy.

It is important to carefully review the terms and conditions of the Chase Sapphire Reserve auto insurance policy to fully understand the exclusions and limitations. This summary provides a general overview of what is not covered, but the specific details may vary, and there could be additional exclusions listed in the policy documents.

How to file a claim with the Chase Sapphire Reserve auto insurance?

If you need to file a claim with Chase Sapphire Reserve auto insurance, you can follow these steps:

Collect all necessary documentation

Compile all documentation of the incident, including a police report, rental car agreement, and other relevant paperwork.

Contact the Benefits Administrator

Call the Benefits Administrator to report any theft or damage to the rental vehicle, regardless of who is at fault, as soon as possible within 100 days of the incident. Claims for charges that would not have been included if notification happens before the charges can be declined.

File your claim online or by mail

You can file your claim online through eclaimsline.com.

Provide the required information

When filing your claim, you must provide details about the incident, including the date and time, the rental car company, and any other relevant information. You will need to provide the following information regarding the incident and initiate your claim:

• A copy of the accident report form
• A copy of the rental agreement
• A copy of the vehicle’s repair estimate and final repair bill
• At least two photos of the damage
• Police report, if available
• A copy of the demand letter from the rental agency indicating what you are liable for
• Completed and signed CDW claim form
• Credit card account statement that shows the charge for the rental transaction

Wait for your claim to be processed

After you file your claim, you must wait for it to be processed. The length of time it takes to process a claim can vary depending on the specifics of the claim.

Receive reimbursement for covered costs

If your claim is approved, Chase Sapphire will reimburse you for the damage costs up to the policy limits. Be sure to read the terms and conditions of your coverage to understand the specifics of your reimbursement.

If you file your claim by mail, the following deadlines apply:

• All documents submitted regarding your claim must be postmarked within one year of the theft or damage date.
• The benefits administrator must also be made aware of the incident within 100 days of its occurrence.
• The signed CDW claim form must be postmarked within 120 days, even if you’re still waiting on other documents.

How to use the Chase Sapphire Reserve auto insurance?

The Chase Sapphire Reserve card provides primary rental car insurance coverage, meaning you don't have to report an incident to your personal auto insurance company. The coverage includes reimbursement for theft and collision damage, loss-of-use charges, administrative fees, and towing charges, up to $75,000. The policy covers most rental vehicles booked and paid for in full with your Chase Sapphire Reserve card, in the US and abroad.

To use the insurance, you must:

• Use your Chase Sapphire Reserve card to initiate and complete your entire car rental transaction.
• Decline the rental company's collision damage waiver to be eligible for Chase Sapphire coverage.
• Ensure that you, as the primary cardholder, are the primary renter on the rental agreement. Any additional drivers permitted by the rental agreement are also covered.
• Note that authorized users on your card are also eligible for the rental car insurance benefit when using their authorized user card to rent.
• You can still purchase other supplemental coverage through the rental car company, such as liability insurance.
• Perform a thorough inspection of the rental car and document any pre-existing damage with photos or videos.
• If renting abroad, be aware that some foreign rental agencies may be unaware of credit card insurance benefits and may require proof of coverage. You can request a letter attesting to your coverage through Chase by calling the Chase Benefits administrator.

If you need to submit a claim, follow these steps:

• Collect all necessary documentation, including a police report, rental agreement, repair estimate, and final repair bill.
• Contact the Benefits Administrator to report any theft or damage as soon as possible within 100 days of the incident.
• File your claim online or by mail.
• Provide all required information, including details about the incident, the accident report form, rental agreement, repair estimate, photos of the damage, a police report, a demand letter from the rental agency, the completed and signed CDW claim form, and the credit card account statement showing the rental transaction.
• Wait for your claim to be processed and receive reimbursement for covered costs up to the policy limits.

Remember that Chase Sapphire rental car insurance does not cover damage to other vehicles or property, medical bills for injuries, damage to goods inside the rental car, incidents caused by off-road driving, or rental periods longer than 31 days. Additionally, certain types of vehicles are not covered, including trucks other than pickups, motorcycles, mopeds, recreational vehicles, and passenger vans seating ten or more people.

When to use the Chase Sapphire Reserve auto insurance?

The Chase Sapphire Reserve card offers primary rental car insurance coverage, meaning you don't have to report an incident to your personal auto insurance company. The coverage includes reimbursement for theft and collision damage, loss-of-use charges, administrative fees, and towing charges. The policy covers most rental vehicles booked and paid for in full with your Chase Sapphire Reserve card, in the US and abroad.

• Theft and Collision Damage: If your rental car is stolen or damaged in a collision, you can be reimbursed for up to $75,000. This includes both the cost of repairing or replacing the rental car and any associated administrative fees and towing charges.
• Loss-of-Use Charges: If the rental car is stolen or damaged and you need to use alternative transportation, the coverage will reimburse you for any loss-of-use charges you incur.
• Administrative Fees: If you need to pay administrative fees related to the rental car booking, such as extending your rental period or adding additional drivers, these fees may be covered.
• Towing Charges: In case your rental car breaks down and needs to be towed, the insurance will cover the towing charges.
• International Rentals: The coverage applies to rentals in the US and abroad, so you can use it when travelling internationally and renting a car in another country.

It's important to note that the coverage is only for the primary driver and any additional drivers authorized by the rental car agreement. Additionally, certain types of vehicles, such as trucks (other than pickups), motorcycles, mopeds, and recreational vehicles, are not covered. The insurance also doesn't cover damage to other vehicles, medical bills, damage to goods inside the rental car, off-road incidents, or rental periods longer than 31 days.

To use the Chase Sapphire Reserve auto insurance, remember to decline the rental company's collision damage waiver and charge the entire rental cost to your card. If any incidents occur, report them as soon as possible and gather the necessary documents, including the accident report, rental agreement, repair estimate, photos of the damage, and a police report if possible.

Frequently asked questions