Many travelers may not realize that they may already carry a credit card that provides Auto Rental Collision Damage Waiver. Several credit cards cover cardholders against damage caused due to theft or collision. Coverage usually comes in the form of reimbursement after you pay for any losses.
American Express Car Rental Loss And Damage Program
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Alternatively, cardmembers of premium Amex cards can purchase Premium Car Rental Protection. For a modest fee of $15.25 to $24.95 per rental, you'll get primary damage coverage as well as accidental death and dismemberment, secondary medical expense coverage and secondary personal property coverage.
The easiest and fastest way of obtaining proof of coverage from your credit card provider is to call the Benefits Administrator and request it. You can call the number on the back of your card or supplied in your Guide to Benefits, and ask for a proof-of-coverage letter stating which countries the policy covers, what damage it covers. Get a hard copy, and take it with you to the rental agency when you pick up the vehicle.
American Express offers basic rental car insurance coverage on most cards. If you pay for your rental car using your American Express credit card, then you should have collision damage waiver (CDW) insurance on your vehicle.
As secondary rental car insurance, American Express rental car insurance covers the loss of the rental car and damage to the rental car. It covers you in incidents where the rental car is damaged or stolen, for example.
Before paying your claim, American Express may request an itemized repair bill, a police report, photos of damages, proof of your personal insurance coverage, and proof you paid the car rental using your American Express credit card.
One limited exception is Safeco Insurance Co. that has negotiated a special arrangement with Enterprise Rental Cars. If you have a Safeco PAP and rent a vehicle from Enterprise they state in their rental contract:"Each Enterprise Entity agrees not to pursue any Safeco insured or Safeco for a claim for diminishment in value damages or administrative fees for or with respect to physical damage to an Enterprise Vehicle while such Enterprise Vehicle is rented to a Safeco insured."
For other companies you may be looking for less expensive alternatives to the CDW offered by the rental car company. Some credit card companies offer competing programs to provide CDW and other benefits if you use their card to book and pay for your rental car. One program is offered by American Express called Premium Car Rental Protection (click link) or call 1-800-326-2078. They charge a flat $24.95 for the entire rental period regardless of the number of days (up to 42 days). There is no fee for the program.
1 Please refer to the General Terms and Conditions of Insurance (including information for persons insured under collective insurance) to obtain information about the insurance benefits and the exact provisions (including sums insured and exclusions of liability), which can be viewed at americanexpress.ch/terms-conditions or requested from the card issuer.
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While this benefit applies to many Amex cards, note that coverage limits can vary. With the Amex Gold card, for example, coverage is limited to $50,000 per rental agreement for damage or theft, yet the Amex Platinum card offers up to $75,000 in coverage. The insurance doesn't cover personal liability, either.
Retain your reservation confirmation number as it is necessary for modification, cancellation or no-show refund requests. Changes to your prepay reservation must be made either on Avis.com, Avis.com.au or Avis.co.nz or at the rental counter. At time of change, current rates, taxes and fees apply.
Your credit or debit card will be charged upon reservation confirmation. Method of prepayment toward your rental may not be changed after confirmation.
Debit cards are not accepted at some Avis locations and are not a recommended form of prepayment.
While a debit or prepaid charge card is an acceptable form of rental prepayment online, they may not be accepted for the credit hold required when you pick up your vehicle.
Please review the terms and conditions on our confirmation page regarding credit or debit card acceptance at the location. To release the vehicle to you at time of pick-up, all rental terms and conditions must be met, regardless of your original prepayment.
Prepaid debit and gift cards are not acceptable methods of credit identification to pick up a vehicle at any location. One of the above mentioned cards must be presented. Prepaid debit and gift cards are accepted at time of return only.
In the U.S., debit or check cards may be used at the end of the rental for payment of rental charges.
The same credit or debit card used to complete an online Pay Now reservation must be presented at the rental pick-up counter as a form of identification. At airport locations, proof of a return airline ticket is also required when using a debit card.
Generally, at the time of rental, we'll require a credit card hold of total estimated charges. However, many rentals may require an authorization hold of the estimated rental charges plus $200 USD. If you have prepaid with a debit card, the hold will be $250 USD. A prepaid charge card is not accepted for this required hold and in case of reservation with non US currency, a credit card with same currency of reservation with equivalent USD amount would be required.
The card presented at pickup will be the card of record for the rental.
If you use a debit card at a location that accepts them, we will perform a credit check to ensure worthiness before releasing the vehicle and you must also present a second form of current identification.
Prepaid reservations are only offered at participating locations.
Upon paying your rental with a debit card, Avis will generally request an authorization hold against your account for the estimated charges of the rental but reserves the right in its sole, discretion, to request extra value based on certain factors as we deem appropriate. Many rentals may require an authorization hold of the estimated rental charges plus $200 USD. Rentals of 4 days or more may require an authorization hold of the estimated rental charges plus $300 USD. If you have prepaid with a debit card, the hold will be $250 USD. Some exceptions may apply. THESE FUNDS WILL NOT BE AVAILABLE FOR YOUR USE.
If you selected Fuel Service Option, fuel price isn't included in your reservation total, but prevailing market rate will be added when you return your vehicle.
Avis accepts most major credit cards as credit identification at the time of rental. Accepted credit cards: Avis Charge Card, American Express, AT&T Capital, Diner's Club Intl, Discover, China Union Pay, JCB, MasterCard, and Visa. Some locations may not accept each of the referenced cards.
Coupons may be applied to prepay rentals. Vouchers or Avis rental certificates cannot be used in conjunction with a prepay reservation.
Gift Cards (Avis or any other) are not allowed on prepay reservations.
Most U.S. locations also accept bank debit cards with the Visa or MasterCard logo as credit identification at the time of rental if you are at least 25 years of age. In most cases, U.S. locations will perform a credit check for debit card renters to determine credit worthiness at the time of rental. The renter must meet Avis' minimum criteria in order to rent.
When the rental is over, we will process the reversal but the bank may take time to post it back to the account - unless you already paid toward your rental, in which case the hold will be $250 USD. While this hold is in place, the funds will not be available for your use.
Avis is not responsible for any returned checks or overdraft fees based on this policy.
Your quoted rental rate is based on the exact parameters (locations, dates, etc.) of your particular rental - changing your confirmed reservation parameters could result in a different rate.
There is no fee for making the following changes: vehicle type, options (GPS, protections, etc.), rental period dates/times, adding other drivers, switching between participating prepay pick-up locations within the same country. To change to a non-participating location or one outside of the original pick-up country, you must cancel your original reservation (with applicable cancellation fee) and re-book at then current rates.
Non-permissible changes include: method of prepayment; name on reservation; changing your pick-up to a non-participating prepay location or one outside of the original pick-up country. If you still wish to make these changes, you must cancel your original prepay reservation with applicable cancellation fee and re-book at then current rates.
At time of rental pick-up, location rental qualification rules apply. The name on all rental credentials (license and credit or debit card) must match the name on the reservation. If the names do not match, it is deemed a non-permissible change to your prepay reservation and must follow procedures to cancel and re-book at then current rates (with applicable cancellation or no-show fees).
At the time of pick up, driver must present a valid driver's license and credit card (or debit card at participating locations) in the driver's name. A prepaid charge card is not an acceptable credential. All drivers must have a safe driving record.
At time of pick up, driver must present a valid, drivers license and credit or debit card in the driver's name. If the drivers license is not U.S.-issued, you must present your drivers license and either a passport or a Canadian enhanced license in the driver's name.
At the time of rental, the renter or authorized driver may be subject to an electronic DMV check from the issuing state of the driver's license, or may be asked to sign a declaration attesting to specific criteria.
Positive identification in addition to your driver's license may be required.
Your total rental rate is calculated based on the information provided at time of reservation.
Vehicles are rented on a daily (24-hour) basis. There is a 29-minute grace period for returns. After 30 minutes late, a 3/4-day late charge + $.01 + taxes apply. After 90 minutes late, full-day late charges + taxes apply. There is no grace period for rental fees, surcharges and optional equipment or protections charges, so full-day late charges will apply for these items.
Extensions or late returns result in additional charges.
Rather than requiring customers to be 25 to rent, Avis now rents to customers between the ages of 21-24 with a valid credit card and driver's license. At time of rental, we will automatically apply an additional underage surcharge for these drivers.
Additionally, the following restrictions also will apply for renters between the ages of 21-24: Renters of luxury cars, mini-vans, 12-passenger vans, specialty cars, full-size SUVs and premium SUVs will not be permitted.
In New York State, the minimum age to rent is 18 with a $84-per-day USD surcharge for renters age 18-20 and a $35-per-day USD underage surcharge for renters age 21-24. In Michigan, the minimum age is 18 with a $41-per-day USD surcharge for customers between the ages of 18-20 and $28-per-day USD surcharge for customers between the ages of 21-24.
In all states other than CA, NV and NY, the charge for additional drivers is $13-per-day USD per additional driver, with a maximum charge of $65-per-rental USD per driver. The additional driver fee in New York is $3-per-day USD per additional driver.
The additional driver fee in Nevada is $11.85-per-day USD per additional driver. There is no additional driver fee in California. The following are exempt from additional driver charges: renter's employer or regular fellow employee when on company business; renter's spouse or domestic partner; disabled renters who have completed the non-licensed renter form.
The collection, use and retention of your information, including your personally identifiable information, provided to us in connection with payment for our services and products, or participation in our programs, whether directly by you or on your behalf through a payment service, is subject to our Privacy Notice.
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