Here are all the details you need to know regarding getting free Rental Car Insurance through your credit card in the US:


- **Coverage Overview:**

  - Reimburses for:

    - Collision/Physical damage and theft of the rental vehicle.

    - Valid loss-of-use charges.

    - Reasonable towing charges.

    - Reasonable administrative fees.

  - No deductible.

  - Coverage could be primary or supplemental based on card type.

  - No coverage for personal liability, belongings, bodily injuries, etc.

  - Limited to rental periods within/outside country of residence.


  - **Claim Filing:**

  -  Report accidents/theft to Card Benefit Services promptly.

  - Submit claim form within 90 days.

  - Follow rental agency instructions.

  - Submit claim online at https://www.eclaimsline.com/


- **Required Documentation:**

  - Obtain from rental company immediately:

    - Accident/Police report (if applicable).

    - Rental agency's claim document.

    - Car rental agreements.

    - Repair estimate/bill.

    - Photos of the damaged vehicle.

  - Additional may include:

    - Billing statement.

    - Insurance carrier statement.

    - Copy of primary insurance policy's Declarations Page.

    - Any other requested by the Benefit Administrator.


- **Coverage Details:**

  - Covers most vehicles but excludes certain types like antique cars, trucks, motorcycles, etc.

  - Exclusions: intentional acts, wear and tear, off-road operation, etc.

  - Certain territories and rental origins are excluded.


- **International Coverage:**

  - Applies outside country of residence, subject to conditions and exclusions.

  - Minimum collision damage waiver coverage mandated in some countries; benefit applies in excess.


- **Payment and Settlement:**

  - Payment to rental agency or cardholder.

  - Settlement usually takes 8-10 weeks after receiving all required documentation.


- **Who Is Covered:**

  - Cardholder who reserves, picks up, and pays for the rental.

  - Additional drivers covered.


- **Additional Information:**

  - Residents of certain states may have coverage under Property Damage Liability Law.

  - Coverage provided even without personal automobile insurance.


- **Considerations:**

  - Personal circumstances, insurance coverage may warrant additional rental insurance.

  - Personal effects coverage redundant if covered by renters/homeowners insurance.

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