Auto Rental Collision and Damage Coverage

Add peace of mind to your itinerary

When you use your covered Visa card to reserve and pay for your entire auto rental, you can be covered and get reimbursed for damage to the rental vehicle that results from a collision or theft.

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You will also want to be sure that you rent a "covered vehicle." For example, trucks and luxury cars are not covered.

Collect your documents (auto rental agreement, rental dates, and similar records), then go to www.eclaimsline.com or call 1-800-348-8472. If you are outside the United States, call one of our toll-free numbers to file a claim or get your questions answered.

Please keep in mind that you will want to read the Auto Rental Collision Damage full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

File an Auto Rental Collision Damage claim now

Frequently asked questions

What do I need to do when reserving a rental car to be eligible for coverage?

You must secure and charge the rental in full on the covered card, and you must decline the Collision or Loss Damage Waiver at the rental agency. The name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You must also follow all of the terms and conditions of the Rental Agreement.

How does the benefit work for domestic auto rentals?

For domestic rentals, this benefit covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract, and you must report damages to Card Benefit Services within 45 days of the incident.

If the vehicle rental is for business purposes, the benefit acts as primary coverage and you may be reimbursed for up to the actual cash value of the vehicle. If the rental is for personal reasons, coverage is supplemental to your personal automobile insurance.

How does the benefit work for international auto rentals?

For international rentals, this benefit is primary and covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract, and you must report damages to Card Benefit Services within 45 days of the incident.

Coverage is not available in Jamaica, Ireland, or Israel. It is not available where it is prohibited by law or by individual merchants, or where it is in violation of the territory terms of the rental agreement. Regulations vary outside the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.

If you are renting a vehicle in Australia, New Zealand, Costa Rica, or Italy, please note that the purchase of a minimum level of collision damage coverage is often mandated in these countries. In that case, your benefit is supplemental to that required coverage.

What kinds of vehicles are covered? Not covered?

Covered vehicles include economy through luxury class automobiles and vans that do not seat more than 9 passengers including the driver. SUVs are covered only when driven on-road. All other vehicles are excluded, including trucks, cargo vans, and expensive vehicles. Contact the Benefit Administrator to inquire about a specific vehicle.

What do I need to know if I have to file a claim?

You are responsible for gathering the necessary documentation to complete your claim. You must sign and return your claim form, or file online if you prefer, within 90 days of the date of the incident, regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident.

The required documents are listed on the claim form and include:

• Initial Rental Agreement and Final Rental Agreement
• Copy of your monthly billing statement showing the charge of the rental
• Itemized list of repairs from the rental agency
• Repair bill
• Incident Report
• If you used a business card for the rental, a letter on company letterhead stating that the rental was for business reasons

The Benefit Administrator may ask you to provide additional information, if applicable.