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Chase Sapphire Reserve car insurance does not cover liability, if you damage another vehicle or cause injury to a person.

rickandcindy23

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We rented a car through Priceline at CLT (Charlotte, NC airport). It was a great deal, $291 for the rental, and we saw that we needed to bring our proof of insurance with us. We are insured with Safeco. But the car rental agency will not work with Safeco. In the fine print of the Priceline rental, it says:

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rickandcindy23

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So we paid $240 for liablity insurance. We paid for the car with Priceline, so we were stuck with the car. I checked every car rental agency at the airport for a better deal.

Moral of the story, read all of the 11 pages of disclosures at least twice.

This was a gotcha moment for us. Chase should tell you that it's not your primary insurance. They claim it is, but it sure isn't. Be sure you have liability car insurance the car rental agency will accept. Rick said he felt like a hostage. "You have to pay this, or you will lose your entire $291 you paid for the car."

Did anyone else ever hear of such a thing?
 

rickandcindy23

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And by the way, if you are over 70, NU Car will not rent to you. We are 10 months short of 70.
 

rickandcindy23

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Can you not use your auto insurance as the primary just to satisfy this car rental in N. Carolina?
We have Safeco and took our proof of insurance, but they only accept Geico, State Farm, and a few others listed in the disclosure I pasted above.
 

dioxide45

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Credit card coverage is simply CDW, or a damage waiver. They cover damage/theft for the vehicle only. The same is true of CDW coverage purchased directly through the rental car agency. I understand that the car rental agency has to maintain state minimum liability coverage on their vehicles because insurance follows the car and not the driver in most, if not all, states.

This not one of the major rental agencies. A quick search of what I think this company is, Horsepower Car Rental, they don't get good reviews. That is why it was cheap. You get what you pay for.
 

rickandcindy23

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Credit card coverage is simply CDW, or a damage waiver. They cover damage/theft for the vehicle only. The same is true of CDW coverage purchased directly through the rental car agency. I understand that the car rental agency has to maintain state minimum liability coverage on their vehicles because insurance follows the car and not the driver in most, if not all, states.

This not one of the major rental agencies. A quick search of what I think this company is, Horsepower Car Rental, they don't get good reviews. That is why it was cheap. You get what you pay for.
Yes, it was Nu Car. I thought I said that in the info above.

I had a lot of other choices, but we have used Nu Car in Orlando with good savings.
 

Snazzylass

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Yes, it was Nu Car. I thought I said that in the info above.

I had a lot of other choices, but we have used Nu Car in Orlando with good savings.
So maybe you should update the Topic? Not r3eally a warning about your credit card, but about the rental agency?
 

rickandcindy23

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So maybe you should update the Topic? Not r3eally a warning about your credit card, but about the rental agency?
Maybe, except Chase claims to be primary insurance, but that gives a person a false sense of security, if a car rental agency can legally make us pay for liability insurance. This was all meant to be a warning. Rick is going to call Chase tomorrow and see what they have to say, but they are not in the wrong at all. We put the charge on the Chase credit card, and I want to file a dispute on the charge. If Chase says we have to pay, then we pay.

I still think this was a scam by Nu Car.

We have been renting cars for 40+ years and never had a situation like this. We used to have an Amex that provided coverage for $25.

What the heck is wrong with Safeco Insurance? I may contact our insurance guy, too. This was a gotcha moment, as I said before. My post is on target because it's about reading all of the documents on a prepaid rental.
 

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Nu Car has an F rating with the BBB and there are multiple complaints with people claiming they were charged for “extras” for which they never authorized, including insurance.

 

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Wow, who would ever read all that fine print? And what kind of deal has Nu Car cooked up with those companies?
 

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Isn't the insurance like $13/day when you rent through Priceline?

We have car insurance (not on that list) but we also have an annual travel insurance which also has car rental coverage. And we also use the Chase Sapphire card.

That being said, I just rented a car to drive the Golden Circle in Iceland. I didn't want to mess around with my insurance or my travel insurance so I did pay the extra. So, my one day rental in Reykjavik. was $275. That being said, the Flybus to KEF is pretty expensive so technically it would have cost me at least $140 to get us from the cruise port to KEF. A guided tour of the Golden Circle would have cost about $250. So while it was expensive, it was still cheaper.
 

rickandcindy23

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The car is a blue Nissan Sentra. Nice car with low miles. No bargain after the insurance issue.
 

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I always understood that what Chase meant by primary, was primary on CDW which is what they are covering. CC coverage, be it primary or secondary covers whatever you are actually waiving. Chase Sapphire also covers loss of use, which is a bonus.

On many other credit cards offering rental car insurance coverage you are required to go through your ordinary vehicle insurance provider with your claim first and only then will the CC coverage kick in to pick up anything not paid by your vehicle insurance provider. With the Chase Sapphire you start with them.
 

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The Four Types of Rental Car Insurance, Explained (copied from Allianz)​


Here it comes across the counter: the contract you have to sign to get your rental car. The salesperson is pushing you hard to buy rental car insurance as your pen hovers over the paper. Collision damage waiver? Personal accident insurance? Do you need all this stuff? What does it even mean?
Don't check any boxes yet! Whatever the salesperson might say, these coverages are optional — and if you get them all, they can add up to $30 per day to the rental bill.i You want to be protected, but there's no sense in paying extra for coverage you already have. We'll explain the different types of rental car insurance and tell you what you really need.

What's the Collision Damage Waiver?​

The collision damage waiver or loss damage waiver offered by the rental car company means that if your rental car is damaged or stolen, you don’t have to pay to repair or replace it. These waivers typically include a deductible, however.

Do you need a collision damage waiver?​

It’s wise to purchase this type of rental car insurance. While your regular car insurance policy may include collision coverage for rental cars, it most likely includes a deductible and may not pay for all the rental car company's charges, such as loss of use (charges for the money the company's losing while its car is in the shop).ii Your credit card may include free collision damage coverage, but credit card rental car insurance is typically secondary coverage, meaning any claims will go first to your auto insurance company.
The most affordable way to ensure adequate protection in case of collision or theft is with third-party rental car insurance. The OneTrip Rental Car Protector from Allianz Global Assistance provides affordable collision loss/damage insurance coverage up to $50,000.
Unlike the waivers rental car agencies sell, the OneTrip Rental Car Protector is actual insurance that can protect your rental car almost anywhere in the world.

What Is Supplemental Liability Insurance?​

Liability insurance typically covers damages to other people's property (e.g. their cars) as well as medical costs for other people’s injuries in an accident you're legally responsible for.iii In the U.S., every state requires a minimum amount of liability insurance on car insurance policies, so you may already have liability coverage through your personal auto insurance.

Do You Need Supplemental Liability Insurance?​

Someone trying to sell you rental car insurance may say your liability coverage is too low and encourage you to buy supplemental insurance. If you're worried about liability, there's a better way to protect yourself. The Insurance Institute of America suggests buying "umbrella liability insurance," a low-cost policy added to your auto and homeowners (or renters) insurance that can provide extra protection while driving your car or a rental.

What Is Personal Accident Insurance?​

While liability coverage covers other people's property damage and injuries in an accident, personal accident coverage includes medical, ambulance and death benefits for you (the rental car driver) and your passengers.

Do You Need Personal Accident Insurance?​

Probably not. According to Consumer Affairs, the benefits provided by personal accident insurance may already be included in your health, life or car insurance policies — or they may be included in the coverage the car rental company provides. If you’re traveling overseas, where U.S. health insurance may not be accepted, then you should carry travel insurance with emergency medical benefits and emergency transportation benefits. These benefits are broader than personal accident insurance, because they can cover your medical expenses in an emergency overseas, whether or not it was caused by a car accident.

What is Personal Effects Coverage?​

Personal effects coverage covers the theft of possessions from the rental car, up to a set dollar limit.

Do You Need Personal Effects Coverage?​

Probably not. If you have a homeowners or renters insurance policy, you may also be covered for loss of personal items stolen from your car.v Check your policy documents to be sure. And if you have travel insurance with baggage loss/damage benefits, you may be protected if your baggage is lost, damaged or stolen while you’re traveling.

If you’re a frequent traveler, an annual travel insurance plan may be your best bet to protect your rental car, your baggage and your finances. The AllTrips Premier Plan, for instance, includes the rental car collision damage waiver, $2,000 in baggage loss/damage benefits, and a slew of other travel insurance benefits that cover you for a 365-day period.



The easiest way to figure out what rental car insurance you need? Do your research before you're standing at the rental car counter. Check your car insurance coverage and your credit card coverage options. Buy low-cost collision loss/damage insurance ahead of time. And if you impulsively check "yes" on all the insurance options offered by the rental car company, don't let buyer's remorse ruin your vacation (and your budget). The company may let you cancel the coverage if you return to one of its offices the next day.
 

rickandcindy23

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Nu Car = NO (at least for me). Heard too many bad things about them.
Right with you on that one. We are never renting from Nu Car again. This has been a lesson. Rented okay from Orlando, but we won't use that one again after this fiasco.

I remember when I was afraid of using SixT. Nothing but great experiences, but now they are more expensive at MCO than they were when we passed them by.
 

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Wondering if other rental agencies can also which insurance they’ll take as proof of insurance?
 

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Does umbrella insurance cover you for international accident liability?

Hertz UK said we caused damage to our vehicle with scratches from bushes. They tried to get us to pay on the spot $350 - we said to dispute with Chase. We filed a claim with Chase when we returned home even though Hertz hadn't communicated anything formally. We never heard from Hertz and the case was closed after 1 year.
 

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I terminated the Chase Sapphire Reserve at the start of COVID when we no longer travelled internationally regularly. Last year I signed up for the Amex premium car rental insurance and have been using it since then. I figure if there is a claim, I will just have them deal with Amex.
 

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Does umbrella insurance cover you for international accident liability?

Hertz UK said we caused damage to our vehicle with scratches from bushes. They tried to get us to pay on the spot $350 - we said to dispute with Chase. We filed a claim with Chase when we returned home even though Hertz hadn't communicated anything formally. We never heard from Hertz and the case was closed after 1 year.
Most umbrella policies only cover in excess of underlying coverage. They do not provide additional coverage beyond your primary policy.
 

Ken555

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I terminated the Chase Sapphire Reserve at the start of COVID when we no longer travelled internationally regularly. Last year I signed up for the Amex premium car rental insurance and have been using it since then. I figure if there is a claim, I will just have them deal with Amex.

I’ve been using the AMEX premium coverage for decades. https://feeservices.americanexpress.com/premium/car-rental-insurance-coverage/home.do

However:

Liability coverage is not included


Sent from my iPad using Tapatalk
 

Ken555

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