Amex Platinum Rental Car Insurance: Your Guide to Coverage, Costs, and More

The American Express Platinum Card offers a wide range of benefits, including rental car insurance. This coverage can provide peace of mind when you're renting a car, as it can help you avoid paying for damages or injuries if you're involved in an accident.

How Does Amex Platinum Rental Car Insurance Work?

Amex Platinum rental car insurance is secondary coverage, which means it will only pay for damages or injuries after your primary insurance has been exhausted. To use your Amex Platinum coverage, you must:

1. Rent a car in the United States or Canada
2. Pay for the rental with your Amex Platinum Card
3. Decline the rental company's insurance coverage

Your Amex Platinum coverage will provide up to $75,000 in coverage for damages to the rental car and up to $1 million in coverage for liability. It also provides coverage for personal belongings and medical expenses.

What Are the Benefits of Amex Platinum Rental Car Insurance?

There are several benefits to using Amex Platinum rental car insurance, including:

• Peace of mind: Knowing that you're covered in case of an accident can provide peace of mind when you're renting a car.
• Savings: Amex Platinum rental car insurance can save you money on rental car insurance costs.
• Convenience: Using Amex Platinum rental car insurance is convenient, as you don't have to purchase additional insurance from the rental company.

What Are the Limitations of Amex Platinum Rental Car Insurance?

There are also some limitations to Amex Platinum rental car insurance, including:

• Secondary coverage: Amex Platinum rental car insurance is secondary coverage, which means it will only pay for damages or injuries after your primary insurance has been exhausted.
• Coverage limits: Amex Platinum rental car insurance has coverage limits of $75,000 for damages to the rental car and $1 million for liability.
• Exclusions: Amex Platinum rental car insurance does not cover all types of damages or injuries. For example, it does not cover damages caused by racing or off-road driving.

Common Mistakes to Avoid

There are several common mistakes that people make when using Amex Platinum rental car insurance, including:

• Not declining the rental company's insurance coverage: If you decline the rental company's insurance coverage, you may be responsible for paying for damages or injuries even if you're not at fault.
• Not using your Amex Platinum Card to pay for the rental: If you don't use your Amex Platinum Card to pay for the rental, you may not be eligible for coverage.
• Not informing your primary insurance carrier: You should inform your primary insurance carrier that you're using Amex Platinum rental car insurance. This will help ensure that you have adequate coverage in the event of an accident.

Conclusion

Amex Platinum rental car insurance can provide peace of mind and savings when you're renting a car. However, it's important to understand the benefits and limitations of this coverage before you use it. If you have any questions, you should contact American Express for more information.

Additional Information

In addition to the information above, here are some additional details about Amex Platinum rental car insurance:

• The coverage is provided by AIG Insurance Company.
• The coverage is available to all American Express Platinum Cardholders.
• The coverage is valid for rentals up to 30 days.
• The coverage does not cover rentals in Mexico.

Frequently Asked Questions

Q: How do I file a claim for Amex Platinum rental car insurance?

A: To file a claim, you should call AIG Insurance Company at 1-800-225-5590.

Q: What is the deductible for Amex Platinum rental car insurance?

A: There is no deductible for Amex Platinum rental car insurance.

Q: Can I use Amex Platinum rental car insurance to cover a rental car in Europe?

A: No, Amex Platinum rental car insurance is only valid for rentals in the United States and Canada.