You’re standing at the car rental counter, and the agent asks if you want to purchase their insurance. Your mind quickly races as you think of your credit card benefits. Does my Chase card cover car rental insurance? For many people, the answer is no. But there are a few cards that do offer this type of coverage. In this article, we’ll explore what Chase cards offer car rental insurance and how you can use it to save money on your next trip.
What is Chase Car Rental Insurance?
If you have a Chase credit card, you may be wondering if it provides coverage for car rentals. The answer is that it depends on the card. Some Chase cards do offer car rental insurance, while others do not.
If your Chase card does offer car rental insurance, it will typically provide secondary coverage. This means that it will only cover damages after your primary insurance (usually your personal auto insurance) has paid out. Chase car rental insurance can help cover things like repairs, towing fees, and lost rental income if your car is damaged in a covered accident.
To find out if your specific Chase card offers car rental insurance, check the benefits guide that came with your card or give Chase a call.
How Does Chase Car Rental Insurance Work?
When you use your Chase card to rent a car, you’re automatically covered by Chase Car Rental Insurance. This insurance protects you against damage or theft of the rental car, up to the actual cash value of the car. It also covers any medical expenses that you or your passengers may incur as a result of an accident.
If you have questions about your coverage, or if you need to file a claim, you can contact Chase customer service at any time.
What Are the Benefits of Chase Car Rental Insurance?
If you’re a Chase cardholder, you may be wondering if your card comes with car rental insurance. The answer is, it depends on the card. Some Chase cards do come with car rental insurance, while others do not.
If your Chase card does come with car rental insurance, you’ll be glad to know that it can provide some valuable protection for you and your rental car. Here are some of the benefits of Chase car rental insurance:
1. Coverage for damage to your rental car: If your rental car is damaged during your trip, Chase car rental insurance can help cover the costs of repairs or replacement.
2. Coverage for personal belongings in your rental car: If your personal belongings are stolen from your rental car, Chase car rental insurance can help reimburse you for their value.
3. Coverage for medical expenses: If you or a passenger in your rental car is injured in an accident, Chase car rental insurance can help pay for medical expenses.
4. Trip interruption coverage: If your trip is interrupted due to a covered event (such as a mechanical breakdown), Chase car rental insurance can reimburse you for certain expenses, such as hotel accommodations and meal expenses.
5. Roadside assistance: If you have a flat tire or run out of gas, Chase roadside assistance can come to the rescue. This benefit is available 24/7, so you can get help even if it’s in the middle of the night.
How Do I Get Chase Car Rental Insurance?
If you’re a Chase cardholder, you may be wondering if your card provides car rental insurance. The answer depends on the type of Chase card you have. Some Chase cards, such as the Chase Sapphire Reserve®, come with built-in car rental insurance. Other Chase cards offer car rental insurance as an optional benefit that you can enroll in for an additional fee.
To find out if your Chase card comes with car rental insurance, check the benefits guide that came with your card or visit chase.com/benefits. If car rental insurance is not included with your card, you can still enroll in it by calling the number on the back of your card and speaking to a customer service representative.
When renting a car, be sure to decline the rental company’s collision damage waiver (CDW) or similar coverage, as this duplicates the coverage provided by your Chase card’s car rental insurance.
Conclusion
Chase cards offer a variety of benefits and protections, including car rental insurance. This coverage can save you money if you have to rent a car while your own vehicle is being repaired. Be sure to check the terms and conditions of your card to see what is covered and what isn’t. And remember, even if your card does cover car rental insurance, it’s always a good idea to check with your own auto insurance policy to make sure you’re fully protected.
