1. Isn’t the CSR coverage zero deductible as well?AlphaLess wrote: ↑Sun Jan 12, 2020 4:27 pm
Thank you for the question. Good to consider the whys.
1. It is zero deductible,
2. The terms are very very generous, covering glass, minor damage,
3. There are very few limitations, like which countries are included,
4. I think there is a better chance that Amex will be more hassle free than Chase.
2. Are glass/minor damages excluded by the CSR coverage?
3. To be specific, these countries: Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. The CSR benefits brochure actually is not specific and doesn’t list specific excluded countries (“This benefit is available in the United States and most foreign countries”). The card is a VISA Infinite card, and VISA itself is more specific:
“ For international rentals, this benefit covers the rental vehicle for physical damage, vandalism and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses or personal liability. You may rent the vehicle for up to 31 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is not available in Jamaica, the Republic of Ireland, Northern Ireland or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so it is recommended that you check with the auto rental company before you travel to make sure this benefit will apply. If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica or Italy, please note: often, the purchase of a minimum level of collision damage coverage is mandated in these countries. In that case, your benefit is supplemental to that required coverage.”
So basically a similar list of countries as Amex, except that some countries (Australia, NZ, ...) aren’t fully excluded from coverage with CSR/VISA?
I think I will contact the benefits administrator tomorrow to see if I can get clarification on that.
4. I have no personal experience with filing a claim with either company.
I think some other differences are:
Amex: up to 42 day rentals (unless you live in WA state, then 30), Chase: 31 days
Amex: $100k limit, Chase: $75k limit
I think I rent about 10-12 times per year and always use the CSR to pay for the rental. For domestic rentals I always have the backstop of my personal automobile insurance, and since I am obviously comfortable with its coverage for my daily driving, I think I am well protected with the additional CSR layer when I drive a rented vehicle.