Eclaims | Visa

Auto Rental Collision Damage Waiver

When you use your covered Visa Card to reserve and pay for your entire auto rental, you can be covered for damage to the rental vehicle that results from a collision or theft.

Add Peace of Mind to your Itinerary

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract.  Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered. 

Easy Claims Process

Collect your documents (auto rental agreement, rental dates, etc.), and go to www.eclaimsline.com or call 1-800 348-8472 . If outside the U.S. call one of our toll-free numbers to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

Below you will find answers to some of the most commonly asked questions about the benefit:

Q: What do I need to do when reserving a rental car to be eligible for coverage?

A: You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. For personal cards, the name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.
 
Q: How does the benefit work for domestic auto rentals?

A: For domestic 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 15 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is supplemental to and excess of your personal automobile insurance. 
 
Q: How does the benefit work for international auto rentals?

A: For international rentals this benefit is primary, and 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 Card Benefit Services within 45 days of the incident. Coverage is not available in Jamaica, 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 we recommend that you check with your 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.
 
Q: I see that for domestic rentals this coverage is considered “secondary” – what does that mean?                                                               

A: “Secondary coverage” means that if you have other insurance that covers the theft or damage, the other coverage gets applied to the loss first, and this benefit helps to reimburse you for what’s left over (e.g. the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.)
 
If you do not have other insurance that covers this theft or damage, then this benefit is considered primary, and will reimburse you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.
 
Q: What kinds of vehicles are covered? Not covered? 

A: Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver; SUV’s only when driven on-road. All other vehicles are excluded including trucks, cargo vans and expensive vehicles. 

Q: What do I have to know in the event I have to file a claim?
 
A: You are responsible for gathering the necessary documentation to complete your claim. Please note that you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

• Initial rental agreement & final rental agreement
• Copy of your monthly billing statement showing the charge of the rental
• Copy of personal automobile insurance Declaration Page (Domestic Rentals Only) effective at date of incident OR a notarized statement of no insurance
• Itemized list of repairs from the Rental Agency
• Repair Bill
• Incident Report    

Auto Rental Collision Damage Waiver

Add Peace of Mind to your Itinerary

When you use your covered Visa Card to reserve and pay for your entire auto rental, you can be covered and get reimbursed for damage to the rental vehicle that results from a collision or theft.

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Easy Claims Process

Collect your documents (auto rental agreement, rental dates, etc.), and go to www.eclaimsline.com.  1-800-348-8472. If you are outside the United States, or call one of our toll-free numbers to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.  

Below you will find answers to some of the most commonly asked questions about the benefit:


Q: What do I need to do when reserving a rental car to be eligible for coverage?
A: You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. The name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.
 
Q: How does the benefit work for domestic auto rentals?
A: For domestic 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 Card Benefit Services within 45 days of the incident. If the vehicle rental is for business purposes, the benefit acts as primary coverage and you may be reimbursed for up to the actual cash value of the vehicle. If the rental is for personal reasons, coverage is supplemental to your personal automobile insurance. 
 
Q: How does the benefit work for international auto rentals?
A: For international rentals this benefit is primary, and 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 Card Benefit Services within 45 days of the incident. Coverage is not available in Jamaica, 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 we recommend that you check with your 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.

Q: What kinds of vehicles are covered? Not covered? 
A: Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver; SUV’s only when driven on-road. All other vehicles are excluded including trucks, cargo vans and expensive vehicles. Please contact the Benefit Administrator to inquire about a specific vehicle. 
 
Q: What do I have to know in the event I have to file a claim?
A: You are responsible for gathering the necessary documentation to complete your claim. Please note that you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

• Initial Rental Agreement & Final Rental Agreement
• Copy of your monthly billing statement showing the charge of the rental
• Itemized list of repairs from the rental agency
• Repair bill
• Incident Report
• And, if you used a business card for the rental, we also require a letter on company letterhead stating that the rental was for business reasons
• The Benefit Administrator may ask you to provide additional information (if applicable).   
  
          
  
  

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

We’ve provided answers to some of the most commonly asked questions below for your convenience.

FAQs:

Q: How does Purchase Security/Extended Protection work?

A: You must purchase the item with your covered Visa card, and the theft or damage must occur within 90 days of the purchase. If your item is stolen, you must file a police report within 48 hours of becoming aware of the theft as outlined in the terms and conditions of the benefit. Maximum coverage is  $10,000.00 per claim.

Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to 1 additional year on warranties of 3 years or less. Maximum coverage level is $10,000 per claim. Extended Protection also offers you valuable features, including Warranty Registration and Extended Warranty Protection. 

Q: What are the limitations?

A: You will want to read the full terms and conditions, but here are some examples of what does not apply for Purchase Security: the item cannot be used or pre-owned; the item cannot be hard-wired or installed. For example, a microwave oven that is built-in is not covered, but coverage applies for a microwave oven that sits on the countertop.

Q: What does a “$10,000.00 per claim occurrence” mean?

A: Per occurrence is another way of saying per event or per incident – for example, if you go to the store and make a few purchases: a lamp, toaster and pillows for your home. Later that evening you step out for dinner and upon your return notice your house has been broken into and your new purchases have been stolen. When you call the Benefit Administrator to  file a claim, you  would list all of the items you just purchased with your covered Visa card – the Benefit Administrator would then add all of those together to determine the total claim amount (not to exceed the $10,000.00 maximum). The Benefit Administrator will ask you to include all of the items because there may be some items that are not eligible and they will want to be able to cover as many eligible items as possible.

Q: Are purchases that I make outside of the United States covered?  What about gifts I purchase?

A: Yes, those are eligible as long as you purchase them using your covered Visa card and meet the terms and conditions of the benefit.

Q: What are the timelines for filing a claim?

A: You must file a police report within 48 hours of becoming aware of the theft or damage as outlined in the terms and conditions of the benefit, and notify the Benefit Administrator within 60 days of the theft or damage, and submit your completed claim form and supporting documentation within 90 days of the theft or damage.

Q: Do I have to file a claim with my insurance company?

A: Yes, if you (or your employer, if applicable) has insurance that covers the item, you must file a claim with that insurance company, and then send the Benefit Administrator a copy of the claim settlement.

Q: What paperwork do I need to submit with my claim?

A: In addition to the claim form, the Benefit Administrator will review with you the following supporting documentation you may need depending on your claim:

• An itemized sales receipt for the purchase – if you don’t have this, the store where you made the purchase can usually print a duplicate receipt for you      
  
  
• Your Visa billing statement showing the purchase – your bank can usually make a copy for you      
  
  
• A police report (in the case of theft), fire report, insurance claim, or loss report sufficient to determine eligibility for benefits       
  
  
• A copy of the declarations page of the insurance policy (if applicable) that lists, coverages, limits, etc.        
  
  
• The Benefit Administrator may ask you to provide additional information, such as a repair estimate (if applicable)        
    

Q: How long does it take to decision a claim?

A: Under normal circumstances, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

Please note: This benefit is available to Visa cardholders enrolled in this program. Check with your issuer to see if you have this benefit.

Shop with confidence

If you are dissatisfied for any reason (within 90 days from the date of purchase), with an eligible item of personal property purchased using your covered Visa card, and the retailer will not accept the return, you can be reimbursed for the purchase price in accordance with the Return Protection terms and conditions.

What is Return Protection?

Return Protection will reimburse you for the cost of an eligible item of personal property purchased entirely with your covered Visa card if you are dissatisfied with the item for any reason within ninety (90) days of the date of purchase and the retailer will not accept the return. Coverage is limited to $250 per eligible item and up to $1,000 annually per account. Items must be received by the Benefit Administrator in like-new/good working condition.

Select cardholders may be eligible for this benefit. Check with your issuer to see if you qualify. Certain restrictions, limitations, exclusions apply and benefit configuration may vary. For complete terms and conditions, cardholders should contact their issuer.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit:

FAQs:

Q: How does Warranty Manager Service work?

A: This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of 1 to 3 years, the warranty is extended by one year. So, for example, if the original warranty were for 6 months, this benefit would double the warranty for an additional 6 months so you would have a total of 1 year of coverage; if the original warranty were for 2 years, this benefit would extend the warranty for an additional year so you would have a total of 3 years of coverage. There is a per claim maximum and a per cardholder maximum. Please see full terms and conditions of the benefit for more details.  

Q: What are the limitations?

A: You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your covered Visa card, and the extension of the warranty’s time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used.

Q: Are purchases that I make outside of the United States covered?

A: Yes, as long as you use your covered Visa card for the purchase and the eligible item has a valid original manufacturer’s written U.S. repair warranty of 3 years or less, store purchased dealer warranty, or assembler warranty.

Q: What are the timelines for filing a claim?

A: You must notify the Benefit Administrator within 60 days of the failure, and submit your completed claim form within 90 days of the failure.

Q: What paperwork do I need to submit with my claim?

A: In addition to the claim form, you will need the following:

• An itemized sales receipt for the purchase – if you don’t have this, the store where you made the purchase may be able print a duplicate receipt for you
• Your Visa billing statement showing the purchase – your bank can usually make a copy for you         
• A copy of the original manufacturer’s warranty – a copy can usually be downloaded and printed from the manufacturer’s website  
• The Benefit Administrator may ask you to provide additional information, such as a repair estimate (if applicable).  

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-800-551-8472. If outside the United States, call collect at one of our toll free numbers.

Q: How long does it take for you to decision the claim?

A: In most cases, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.