1. Amex Premium Car Rental Protection Program Reviews
2. Amex Premium Rental Car Protection
3. Amex Premium Car Rental Protection Program Online

Even if you're aware of the free car rental insurance provided by credit cards, unless you read the fine print on your credit card agreements and rental car contracts, it's just plain confusing knowing how your car rental would be protected. This infogaphic from Credit-Land spells it all out.

Amex Premium Car Rental Protection Program Reviews

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Primary Rental Car Insurance • Enroll for free in the American Express Premium Car Rental Protection program • But you’ll pay ~$25 (~$18 for California residents) per rental for up to 42 consecutive rental days (30 consecutive rental days for Washington State cardholders). Learn more about the benefits of the Platinum Delta SkyMiles ® Credit Card from American Express, from bonus miles to complimentary tickets. Return to Delta.com. CAR RENTAL LOSS & DAMAGE INSURANCE. Purchase Protection. I was trying to find out if AMEX premium car protection program would be a good idea. My insurance agent said to look for something that is loss of rental income that the car rental place would charge if you did damage the car.

Dec 02, 2013  **This is a repost of mine to save me time; please don't flag as spam.** We had to make a claim on our last trip, the first time in many years of driving rental cars in Costa Rica (we visit at least annually). Basically you can sign up for free for Am Ex's 'Premium Car Rental Coverage' program, then are charged $24.95 when a car rental is charged to your Am Ex - you must decline the CDW. As AMEX Assurance confirmed in writing the coverage was in effect, prior to the end of the car rental term, the Premium Car Rental Protection was assumed to have been in-place for any car rental after the confirmation date, regardless of which American Express card was used for the rental, but this is not the case.

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To get comprehensive insurance coverage from major car rental services, you could pay $28 a day—more than half the $48 daily cost of renting a mid-size car, according to Credit-Land. Meanwhile, credit card companies offer free collision and auto theft coverage, as well as towing service.

Generally, however, the credit cards don't offer free supplementary liability insurance—damage to other vehicles, property, or people—and luxury vehicles are also excluded from protection.

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American Express, however, offers premium car rental insurance that covers all of the above for $24.99 per rental period, or if you currently have personal car insurance, they may cover the damages if you get into a fender-bender with your rental car.

Here's the final recommendation:

To choose or not to choose Credit Card Rental Protection?
Credit card car rental insurance is always considered secondary coverage – it covers you if you don't have other car insurance or if you do not purchase insurance from the rental company. A very important thing to know is that with any credit card rental insurance, buying the coverage from the rental company will invalidate your credit card insurance coverage. You can't get coverage from both sources at once. However, if your personal car insurance has a deductible, then your credit card will cover that amount. Keep in mind, although your rented vehicle is protected, you will need AMEX Premium coverage or a separate insurance to cover possible medical expenses and damages you may cause by accident. As always, the best solution is to be careful while driving.

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Amex Premium Rental Car Protection

And the infographic (click to expand, right-click to save):

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Credit Cards and Car Rentals—Are You Really Covered? Credit-Land

Amex Premium Car Rental Protection Program Online

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