All Chase Freedom credit cards include a rental car collision damage waiver. This waiver provides you with reimbursement for any damages to your rental vehicle caused by collisions or theft—but there are a few things you need to do when setting up your rental to ensure you can take advantage of this benefit.
Getting into a car accident is stressful no matter when it happens. But if you’re in an accident with a rental car, you have the added worry of how you’re going to pay for the damage. For a little peace of mind, a Chase Freedom credit card offers users the benefit of rental car insurance
to help them cover the costs associated with damage to a rental vehicle. But that coverage has its limits. In this guide, you’ll find everything you need to know about Chase Freedom rental car insurance—from how to get it to what it covers, and even how to make a claim.
What is Chase Freedom credit card rental car insurance?
Chase Freedom credit card rental car insurance covers theft and collision damage for most cars rented in the U.S. and abroad. To activate coverage, simply decline the rental agency’s auto rental collision damage waiver (CDW) or loss damage waiver and charge all rental costs to the Chase Freedom card you carry.
MORE: How to get a car rental discount code
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Which Chase credit cards are eligible for rental car insurance?
All Chase Freedom, Chase Freedom Flex, and Chase Freedom Unlimited credit cards automatically include rental car insurance as a card member benefit. In addition, many of Chase’s other personal credit cards provide perks that include rental car insurance, including:
Chase Sapphire Preferred cards
Chase United Club Infinite
What Chase Freedom rental car insurance covers
You already know Chase Freedom cards provide reimbursement for theft and collision damage to most rental vehicles, but let’s break that down a bit further.
To make things simple Chase’s rental car insurance coverage is the same no matter which Freedom card you carry. It provides up to 31 consecutive days of coverage for the following scenarios:
Towing charges resulting from damage or theft
Rental company administrative fees.
Chase Freedom’s rental car insurance policy only applies to the cardholder and other drivers authorized by the rental car company. It also only applies to certain types of vehicle rentals. For example, rental car insurance benefits don’t apply if you’re renting any of the following types of vehicles:
Cargo vans, trucks, or vehicles with open cargo beds (except pickup trucks)
Motorcycles, motorbikes, or mopeds
Passenger vans with a capacity of over nine people
Finally, you’ll have some exclusions to keep in mind when it comes to the types of damage your policy will pay for even on a covered vehicle. Some of those exclusions include:
Damage caused by acts of war, etc.
Damage caused by off-roading
Damage caused while driving under the influence of drugs or alcohol
Key Takeaway Chase Freedom’s rental car insurance only applies to rental periods of 31 days or less. Renters must charge the entire rental to their credit card and decline the rental company’s CDW.
MORE: 7 ways to save money on car rentals
How to make a Chase Freedom rental car insurance claim
Making a claim on your Chase Freedom car rental insurance is fairly simple. Whether you are in the U.S. or abroad, you can file a claim online at eclaimsline.com
. You can also file your claim with a benefits administrator over the phone. If you’re in the U.S., you can call 1-888-320-9656. Renters outside the U.S. should call 1-804-673-1691. To make your claim, you’ll need the following documents and records associated with the accident or theft:
A copy of the accident report
A copy of the repair estimate and itemized car repair
bill Two photos of the damaged vehicle (if applicable)
A copy of the police report (if applicable)
A copy of the rental company’s demand letter indicating the charges you’re responsible for.
In addition, you’ll need the following documents and records associated with the rental itself:
A copy of the rental agreement
The completed and signed auto collision damage waiver form
Your credit card statement that includes the rental charge
And now we get to the somewhat complicated part. If the rental and damage occur in the U.S., Chase Freedom’s rental car insurance provides secondary coverage. This means that if your rental vehicle is stolen or damaged, you must file a claim with your personal auto insurance company first. Chase’s rental car insurance will cover any costs above your coverage limits, plus the cost of your car insurance deductible
. This means that if you’re filing a claim for damage on a rental car in the U.S., you’ll also need the following documents related to the claim you file with your personal insurance provider:
Statement listing the amounts paid and your remaining responsibility
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