What To Know
- Rental car insurance protects you from financial liability in case of an accident or damage to the rental vehicle.
- You are renting a vehicle in a country where the Delta SkyMiles coverage is not valid.
- What if I have an accident while driving a rental car that is not covered by the Delta SkyMiles card.
Planning a road trip or business travel? You may wonder if your Delta SkyMiles credit card provides rental car insurance coverage. This blog post delves deep into this question, providing comprehensive information to help you make informed decisions.
What is Rental Car Insurance?
Rental car insurance protects you from financial liability in case of an accident or damage to the rental vehicle. It typically includes coverage for bodily injury, property damage, and collision damage waiver (CDW).
Does Delta SkyMiles Card Cover Rental Car Insurance?
The answer is yes, but with limitations.
The Delta SkyMiles Gold, Platinum, and Reserve cards offer primary rental car insurance coverage worldwide. This means that the card’s coverage takes precedence over any other insurance you may have, such as your personal auto insurance.
Coverage Details:
- Up to $50,000 for bodily injury and property damage liability
- Up to $75,000 for collision damage waiver (CDW)
Limitations of Delta SkyMiles Rental Car Insurance
The following limitations apply:
- Coverage is only available for rentals of 30 days or less.
- It applies to passenger vehicles only, not commercial vehicles or recreational vehicles.
- The rental car must be rented in the name of the cardholder.
- Coverage does not extend to personal belongings or accidents involving passengers.
When to Decline Delta SkyMiles Rental Car Insurance
In certain situations, it may be advantageous to decline the Delta SkyMiles rental car insurance coverage:
- You have comprehensive auto insurance that already covers rental cars.
- You are renting a vehicle that exceeds the coverage limits of the credit card.
- You are renting a vehicle in a country where the Delta SkyMiles coverage is not valid.
How to File a Claim
If you need to file a claim, follow these steps:
- Contact the rental car company to report the incident.
- Gather documentation, such as the rental agreement, police report, and repair estimates.
- Contact Delta SkyMiles customer service at 1-800-323-2323.
Other Benefits of Delta SkyMiles Credit Cards
In addition to rental car insurance, Delta SkyMiles credit cards offer a range of benefits, including:
- Miles for purchases and travel
- Priority boarding and upgrades
- Free checked bags
- Lounge access
- And more
Key Points: Navigating the Road Ahead
Whether the Delta SkyMiles card rental car insurance coverage is right for you depends on your individual circumstances. By understanding the limitations and benefits, you can make an informed decision that protects you while traveling.
What People Want to Know
1. Does the Delta SkyMiles card cover rental car insurance in all countries?
No, coverage is not available in all countries. Check with Delta SkyMiles for a list of eligible countries.
2. What is the deductible for the Delta SkyMiles rental car insurance?
There is no deductible for the Delta SkyMiles rental car insurance.
3. Can I add additional drivers to the Delta SkyMiles rental car insurance?
Yes, you can add additional drivers as long as they are licensed drivers and meet the eligibility requirements.
4. What if I have an accident while driving a rental car that is not covered by the Delta SkyMiles card?
You may be liable for the damages and expenses. It is recommended to purchase additional insurance if the credit card coverage does not meet your needs.
5. How long does it take to process a rental car insurance claim through Delta SkyMiles?
Processing times vary depending on the complexity of the claim.
