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Your Guide To Chase Sapphire Rental Car Insurance

Triston Martin

Nov 15, 2023

Renting a car is a straightforward and practical method to move around, whether you're travelling for joy or business. The insurance choices offered by rental vehicle companies can be confusing and expensive, and tourists frequently worry about getting into a tragedy or having their rental auto stolen.

The good news is that one of the advantages of owning a Chase Sapphire Reserve is having insurance for your rental vehicle. The primary rental auto insurance is included with both the Chase Sapphire Preferred, albeit their maximum liability limitations differ.

Keep reading to learn more about Chase rental automobile insurance.

' Chase Sapphire Cards Bring Car Rental Insurance

For the Chase Sapphire, a CDW may be provided to cover losses brought on by theft or collisions. The Chase will pay up to the vehicle's actual cash value, while the Sapphire Reserve will pay up to seven5,000 dollars. Chase CDW provides defense against extra costs that can quickly mount up in both scenarios. For instance, the rental company's loss-of-use fees, towing fees, and administrative expenditures are some of these costs.

The CDW does not cover additional losses. Any injuries caused by the other driver's person or vehicle in the event of a rental vehicle collision are not protected by the CDW. The possessions in the rented car are not protected against theft. A Chase CDW does not cover your bags if the vehicle is stolen.

Because the Chase CDW coverage is primary, it will cover dam

ages first. Only lease terms of at least 30 days are protected by insurance.

It covers the vast majority of other nations, including the US. Visa cards are not accepted in Israel etc.

Ways for Using Your Chase Sapphire Card's Rental Car Insurance

Make your rental vehicle reservation and full payment with your Chase Sapphire card to activate the available insurance. Chase Sapphire coverage is only available if you lessen the rental automobile company's accident damage waiver.

The principal renter is required to be the person listed on the Chase Sapphire contract, as stated. It should be noted that authorized users of your Chase Sapphire who book a rental vehicle using their card are also entitled to the perk of rental vehicle insurance. The rental vehicle policy covers additional drivers.

You can still use them to purchase extra insurance even if you decide to use the CDW policy provided by the rental vehicle company rather than the Chase CDW. You should consider boosting your liability insurance to pay for any damage you cause to a person, a car, or a piece of property.

Obviously, before withdrawing the rental lot, you should inspect the vehicle closely to look for any current harm. A trustworthy technique to record the state of the car during pick-up is using photos or videos.

How to File an Insurance Claim for a Chase Rental Car

You can submit a Sapphire rental vehicle insurance claim by following the steps:

  • Gather All Relevant Data: A police report, pertinent documents and rental vehicle contract, and the stated below must all be provided as proof of the incident.
  • Send in Your Claim through Mail or Online: Through; you can give in your claim online.
  • Give the Necessary Details: You must include information regarding the occurrence when you file your claim, including the time and date of the happening, the rental vehicle company, and any other pertinent details. The given information on the incident must be provided to start your claim.
  • A rental agreement copy, the repair bill, the accident report form, the vehicle's estimate of repair , and a letter from the rental company outlining your obligations. Police report photos, at least two, the complete CDW form.
  • Keep an Eye Out for the Processing of Your Claim: You must wait for the processing of your claim after you file it. The time needed to process a claim can change based on the claim's particulars.
  • Get Your Expenses Paid Expenditures Reimbursed: Chase will pay you back for the price of the damage up to the insurance limits if your claim is accepted. For further information on the specifics of your reimbursement, check the terms of your insurance.

The following deadlines are applicable if you submit your claim by mail:

● Within a year after the damage date, every paperwork you submit to support your claim.

● The incident must also be reported to the benefits administrator in 100 days.

Situations to Use Chase Sapphire Rental Insurances

The situations in which you have to use Chase Rental Insurance are the following:

'Lack of Personal Auto Insurance:

Utilizing the primary rental auto insurance offered by Chase Sapphire can result in significant cost savings and peace of mind if you don't have your car insurance or have a high deductible.

International Travel:

It's possible that your auto insurance won't cover overseas rental vehicles when you travel. Chase Sapphire's coverage is crucial since it will keep you safe while travelling abroad.

An Affordable CDW or LDW Substitute:

It is possible to save a significant amount of money on rental vehicle costs by declining the Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) offered by the rental vehicle agency.


Rental vehicle insurance is just one of the many advantages that come with having a Chase Sapphire Reserve or Chase Sapphire Preferred card, by being informed of what the Chase Sapphire vehicle rental insurance covers, how it works, when to use it, and how, you can make the most of your travel worry-free.

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