[ 2023 ] Does your credit card cover rental car accidents?

[easyrider]

I hit a deer and cut it too close to a concrete support in a garage on one 30-day rental. Total repair cost was $860 (which I thought was extraordinarily reasonable), so I just paid it without filing a claim (that would undoubtedly increase my insurance premium beyond all reason) and getting my credit card company involved.

Soon after, I received an offer through my AMEX card for full, primary coverage for each rental for $19.99 up to a 30-day rental. $860 pays for a lot of $19.99 rentals, so I signed up. Now I just charge my car rental to my AMEX card and consider the $19.99 money well spent. I have yet to file a claim (fortunately), so I cannot comment on that part the agreement.

This is what we do too. Originally, we did this for Mexican car rentals to avoid paying rental franchise insurance because our regular auto insurance doesn't cover anything in Mexico. Now we use it for all of our rentals.

Bill

 

[easyrider]

TURO car rental - any ideas on if credit cards would cover damage?

No credit card that I've looked into covers peer to peer agreements. They cover commercial to peer only.

Some cards might cover updog.

Bill

 

[Luanne]

TURO car rental - any ideas on if credit cards would cover damage?

I would doubt it. I've heard that in many cases Turo rentals require you to take out additional insurance.