Does Chase Sapphire Reserve Auto Insurance Cover Bosnia?

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

To be eligible for the insurance, you must decline the collision insurance offered by the car rental company and charge the entire rental cost to your Chase Sapphire Reserve card. The cardholder must be the primary renter on the rental car agreement, but additional drivers listed on the rental agreement are also covered.

The coverage is valid for rentals up to 31 consecutive days and does not include valuables left inside the rented car, driving the rental car off-road, vehicles manufactured more than ten years ago, motorcycles, mopeds, vans exceeding nine passengers, or rental trucks.

What does Chase Sapphire Reserve auto insurance cover?

The Chase Sapphire Reserve card offers an Auto Rental Collision Damage Waiver, often referred to as CDW, which covers damage or theft of most rental vehicles worldwide. The coverage is primary, meaning you don't need to submit a claim with any other insurance company first. This includes reimbursement for theft and collision damage of up to $75,000, as well as loss-of-use charges, administrative fees, and towing charges. The policy covers rental vehicles booked and paid for in full with the card, both in the US and abroad.

To be eligible for the insurance, you must decline the collision insurance offered by the car rental company and charge the entire rental cost to your Chase Sapphire Reserve card. This will also make you eligible for earning 3x to 10x Ultimate Rewards points per dollar.

The Collision Damage Waiver (CDW) applies to the primary cardholder or any authorized users listed as the primary renter on the car rental contract, as well as any additional drivers listed on the rental agreement.

It's important to note that the insurance does not cover damage to other drivers' vehicles, medical bills for injuries, damage to goods inside the vehicle, rental periods longer than 31 days, or incidents where the driver was under the influence of drugs or alcohol.

If you need to file a claim, you must notify the benefits administrator within 60 days of the incident, submit a completed claim form within 100 days, and provide all supporting documentation within 365 days. You can file a claim by calling 888-675-1461 or going online to eclaimsline.com.

Who is covered by the insurance?

The Chase Sapphire Reserve card offers an auto rental collision damage waiver (CDW) that covers up to up to $75,000 in physical damages or theft. This coverage is primary, meaning you do not have to submit a claim with any other insurance provider first. The CDW applies to the cardholder (either the primary cardholder or an authorised user) and any additional drivers listed on the rental agreement.

The Chase Sapphire cardholder must be the primary renter on the rental car agreement and must decline the rental car company's collision damage waiver to be eligible for Chase Sapphire coverage. Authorised users on the Chase Sapphire card are also eligible for the rental car insurance benefit when using their authorised user card to rent.

The CDW will cover up to $75,000 in physical damages and/or theft of the vehicle for rentals that are 31 consecutive days or less. Other covered expenses include reasonable towing charges and loss-of-use charges incurred by the rental company.

If you need to submit a claim, you can do so by calling the number on the back of your card or by going online to eclaimsline.com. You will need to submit a completed claim form within 100 days of the damage or theft, and all supporting documentation must be submitted within a year.

What is not covered by the insurance?

The Chase Sapphire Reserve rental car insurance does not cover the following:

• Any obligation you assume under any additional agreement
• Rentals exceeding 31 days in length
• Any violation of the rental agreement
• Expenses reimbursed through other forms of insurance
• Injury of anyone or anything inside or outside of the vehicle
• Loss or theft of personal belongings
• Recreational vehicles
• Vans designed to carry more than 8 or 9 passengers
• Vehicles with open cargo beds
• Luxury or exotic vehicles
• Antique vehicles more than 20 years old
• Cargo vans or trucks other than pickups
• Motorcycles or mopeds
• Limousines and other cars that can accommodate more than nine people
• Damage to other drivers' vehicles
• Medical bills for injuries sustained by you or other passengers
• Damage to any goods inside the vehicle, whether due to damage or theft
• Incidents or damage caused by off-road adventures
• Rental periods that are longer than 31 days
• Any incident where the driver was under the influence of drugs or alcohol or participating in illegal activities

How to activate the insurance

To activate the auto rental collision damage waiver on your Chase Sapphire Reserve card, you must meet two requirements:

• Decline the collision insurance offered by the car rental company.
• Charge the entire rental cost to your Chase Sapphire Reserve card.

You must also be sure to check the rental car for any prior damage before driving off the lot, as Chase doesn't assume responsibility for damage caused before you rent the vehicle.

If you meet these requirements, you can activate the insurance by following these steps:

• Sign in to your online Chase Ultimate Rewards account and click on the menu icon in the upper left-hand corner.
• Select your Chase Sapphire Reserve card if you have more than one Chase credit card.
• Scroll down and click on "Card Benefits."
• Scroll down until you find "Special Car Rental Privileges." Here, you'll find more information and links to sign up with the programs that offer discounts: National, Avis, and Audi on Demand.

Once you've activated the insurance, be sure to note the following:

• Authorized users on your Chase Sapphire Reserve card are also eligible for the rental car insurance benefit when using their authorized user card to rent.
• Additional drivers who are permitted by the rental car agreement are covered as well.
• Even if you decline the rental company's collision damage waiver to activate the Chase Sapphire Reserve CDW, you can still purchase other supplemental coverage through the rental car company.
• Before leaving the rental lot, perform a thorough inspection of the rental car and document any pre-existing damage by taking photos or videos.
• Some car rental agencies in foreign countries may be unaware of credit card insurance benefits and may be unwilling to let you waive their collision damage waiver without proof of coverage. You can obtain a letter attesting that you have coverage through Chase Sapphire by calling the Chase Benefits administrator.

How to file a claim

To file a claim with Chase Sapphire Reserve card rental insurance, you must notify the benefits administrator within 60 days of the incident. You can do this by calling the number on the back of your card or by calling 888-675-1461. You can also file a claim online at eclaimsline.com.

After reporting the incident, you will need to submit a completed claim form within 100 days of the damage or theft. You will also need to provide the following documentation to support your claim:

• Car rental agreement showing that you declined the CDW offered by the rental company
• Credit card statement showing you paid for the entire rental with your Chase Sapphire Reserve card
• Photos of the damage
• Accident report form
• Police report (if possible)
• A copy of the demand letter indicating the costs you owe

Make sure to submit all the required documentation within 365 days of the incident. After you've submitted your documents, Chase will reimburse the rental car company directly.

Frequently asked questions