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Old 08-10-2014, 09:49 PM   #21
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Amex paid supplemental was, last time I looked, a $28 dollar fee when you rented a car and was good for 45 days (you'd have to do a new rental with another $28 fee). It's prime when in effect.

Rich


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Old 08-10-2014, 10:35 PM   #22
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One thing to be aware of is that if you buy 'some' insurance from the rental company, then all other insurance you think you have is not there...

The last company where I worked the owner required people to buy the insurance from the rental company... he just did not want any trouble... so the receptionist decided to 'save' some money and instead of buying full coverage bought coverage limited to $5,000... (who knows why... it really was not that much cheaper)....

So, employee rents car and goes to client up north... while inside a hail storm comes by and pelts the car... windows were broken and windshield beat up along with all panels of the car... the rental company came back and said we owed an addition $7,000 over and above what the insurance was paying...

Employee went to their car insurance company, which denied the claim since she bought insurance... went to the CC company and was told the same thing... If she had not bought anything, they would have covered it... but because she did, it took them off the hook...

I negotiated it down since they were trying to charge us the daily rental rate for a full month.... how long they said the car would be out of service...
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Old 08-10-2014, 10:45 PM   #23
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Originally Posted by Rich View Post
Amex paid supplemental was, last time I looked, a $28 dollar fee when you rented a car and was good for 45 days (you'd have to do a new rental with another $28 fee). It's prime when in effect.

Rich
I am a regular renter and use Amex Premium car rental coverage for every rental. The charge is $24.95 per rental up to 42 days (just double checked their web site), and it provides up to $100k in primary theft and damage coverage. Not sure why, but for California residents the cost is only $17.95 per rental and Washington residents get the coverage only for 30 days. They make it very clear that liability is not covered, so for liability I carry my insurance company's non-owned-car insurance, as I don't own a car myself.
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Old 08-11-2014, 12:37 AM   #24
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Originally Posted by EasyAsianFrog View Post
I am a regular renter and use Amex Premium car rental coverage for every rental. The charge is $24.95 per rental up to 42 days (just double checked their web site), and it provides up to $100k in primary theft and damage coverage. Not sure why, but for California residents the cost is only $17.95 per rental and Washington residents get the coverage only for 30 days. They make it very clear that liability is not covered, so for liability I carry my insurance company's non-owned-car insurance, as I don't own a car myself.
I double checked with AMEX yesterday, as a CA resident, I only need to pay 17.95 for the premium rental protection. I'll definitely sign up for that.

Thanks for the info, everyone.

PS, my auto insurance, GEICO, covers the liability part.
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Old 08-11-2014, 12:45 AM   #25
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Since I don'[t own a car or have car insurance, does that mean that the AMEX credit card coverage would be primary? In any case, I do (automatically) get the Supplemental insurance when I rent using AMEX. But I thought the charge was $25/rental.
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Old 08-11-2014, 07:36 AM   #26
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Since I don'[t own a car or have car insurance, does that mean that the AMEX credit card coverage would be primary? In any case, I do (automatically) get the Supplemental insurance when I rent using AMEX. But I thought the charge was $25/rental.
Yes, I was told that if I didn't have a primary, Amex would become the primary.

For residents of certain states (including CA.), the charge for the premier protection is $17.95 instead.
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