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Chase card primary CDW

dougp26364

TUG Review Crew: Expert
TUG Member
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Jun 6, 2005
Messages
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Location
Kansas
Resorts Owned
Marriott Grand Chateau
Marriott Shadow Ridge
Marriott Ocean Pointe
Marriott Destination Club Points
Hilton Grand Vacation Club Las Vegas Blvd
Grand Colorado on Peak 8
Spinnaker French Quarter Resort Branson
After over a decade of renting cars upwards of 45 days per year we finally had one damaged that required we file a claim. In this case we had used our Chase United Explorer card which provides primary CDW coverage and car rentals. Hoenestly, I was expecting a fight. The reality was everything has gone smoothly.

What happened to use was a bird strike on the side of the car. A large bird (hawk maybe) hit and knocked off a strip plastic of body side molding. We filled out the claim form with Budget, notified the credit card CDW claims deptartment and notified our insurance company, just in case. Budget notified us the damaged was around $70. We submitted all the requested information and in short order I received an email the credit card CDW had paid the claim.

Needless to say at this point I'm very pleased. Granted the card has a yearly fee of $99 but it's well worth it, just for the rental car CDW, if this is how claims are handled.
 

dioxide45

TUG Review Crew: Expert
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Resorts Owned
Marriott Grande Vista
Marriott Harbour Lake
Sheraton Vistana Villages
Club Wyndham CWA
We have the same card and use it for all our domestic rentals. For international we usually use the Marriott credit card from Chase since it gives two points per dollar on car rentals. International rentals are automatically primary CDW.

Had you used a card with only secondary, you would really have been better to pay the $70 if it would have resulted in a claim against your primary insurance provider. However, I have read that often the rental company won't require you to file a claim with your primary provider. Just providing a copy of your policy that shows your deductible results in them just paying it out since they know your insurance will require you to pay the deducible and them reimburse you anyway.
 
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