[Idyllchat] Auto Insurance

[Russ Crum]

I have no personal experience with having to use credit card coverage  
for auto insurance. But, as I recall I read one time that outside the  
US, the issue could be not that your credit card company wouldn't  
cover you, but whether the local authorities and/or car rental  
company would recognize that in case you had an incident.

If that were the case, whatever the CC company says may be correct  
but you are still in the situation of paying for your part of the  
damages now and settle up with your CC company later when you get home.

Does anyone have any actual experience with having to use their CC  
coverage outside the US in lieu of CDW (LDW) from a specific  
insurance coverage?


Russ Crum
rrcrum at sbcglobal.net

On Jun 20, 2007, at 14:20, Bob Bestor wrote:

> This is a murky area and I'm still not 100% convinced but....a  
> supervisor in Visa's Benefits Department told me they will cover  
> CDW/theft deductible in cases where the purchase of CDW/Theft is  
> required by law (Italy). She went on to say they would also cover  
> deductible in any foreign country if the purchase of CDW/Theft is  
> required by the rental company - provided the cardholder could show  
> written proof from the company of such requirement. Perhaps a  
> letter from Idyll or their car rental supplier would satisfy this  
> requirement.
>
> At the Visa website page dealing with car rental insurance (http:// 
> usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html? 
> it=c|/personal/cards/eclaims.html|Learn%20more) is this question:  
> "What if the auto rental company insists that I purchase the auto  
> rental company's auto insurance or collision damage waiver?" The  
> answer is "Call the Benefit Administrator at 1-800-VISA-911 for help."
>
> If anyone has further info on this topic please send it my way.  
> Thanks.
>
> Bob Bestor
>
>> One more note about CDW.  If you get the rental car as part of an  
>> Idyll package CDW (with a high deductible) is included in Idyll's  
>> arrangement with Hertz or Avis.  Therefore your VISA or Master  
>> Card CDW coverage does not apply, because the VISA/MC requires  
>> refusal of any other CDW
>> coverage.  Of course you can not refuse it -- it is built into  
>> Idyll's rental arrangement.
>>     I don't understand this requirement.  I would think VISA/MC  
>> would be happy to be responsible for only the deductible!
>>     I don't know if American Express has this requirement.
>> Bob Meyer
>
>
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