What To Know
- If you’re a Southwest Credit Cardholder, you may be wondering if your credit card provides coverage for rental car insurance.
- The rental car insurance coverage provided by Southwest Credit Cards is secondary insurance, meaning it only covers expenses not covered by your primary insurance policy.
- How do I file a claim for rental car damage or theft covered by my Southwest Credit Card.
When planning a road trip, renting a car is often a convenient and economical option. However, the cost of rental car insurance can add up quickly. If you’re a Southwest Credit Cardholder, you may be wondering if your credit card provides coverage for rental car insurance. This blog post will delve into the details of Southwest Credit Card’s rental car insurance coverage and provide valuable insights to help you make informed decisions.
Southwest Credit Cards with Rental Car Insurance Coverage
Southwest offers a range of credit cards that provide varying levels of rental car insurance coverage. Here’s a breakdown of the cards that include this benefit:
- Southwest Rapid Rewards® Performance Business Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- Southwest Rapid Rewards® Plus Credit Card
Coverage Details
The rental car insurance coverage provided by Southwest Credit Cards is secondary insurance, meaning it only covers expenses not covered by your primary insurance policy. The coverage includes the following:
- Collision Damage Waiver (CDW): Covers damage to the rental car in the event of a collision.
- Theft Protection: Covers the theft of the rental car.
- Personal Accident Insurance: Provides coverage for medical expenses in the event of an accident while driving the rental car.
Coverage Limitations and Exclusions
It’s important to note that Southwest Credit Card‘s rental car insurance coverage has certain limitations and exclusions. These include:
- The coverage applies to rental cars rented in the United States and certain international locations.
- The coverage does not apply to luxury or exotic vehicles.
- The coverage is subject to a deductible, which varies depending on the credit card.
- The coverage does not provide coverage for personal belongings or additional drivers.
Declining Rental Car Insurance Coverage
When renting a car, you may be offered additional rental car insurance coverage by the rental company. If you have Southwest Credit Card’s rental car insurance coverage, you can decline this additional coverage to save money.
Filing a Claim
If you need to file a claim for rental car damage or theft covered by your Southwest Credit Card, you can follow these steps:
- Contact the rental car company to report the incident.
- Obtain a copy of the police report or accident report.
- Contact Southwest Credit Card Customer Service to file a claim.
- Provide the necessary documentation, including the rental agreement, police report, and damage estimate.
Additional Tips for Saving on Rental Car Insurance
In addition to using your Southwest Credit Card for rental car insurance coverage, here are some additional tips to help you save money:
- Compare prices from multiple rental companies.
- Book your rental car in advance to secure a lower rate.
- Join a loyalty program with a rental car company.
- Ask about discounts for AAA members or military personnel.
The Bottom Line: Navigating Rental Car Insurance with Southwest Credit Card
Understanding the rental car insurance coverage provided by your Southwest Credit Card is crucial for planning your road trips. By taking advantage of this coverage, you can save money and protect yourself against unexpected expenses. However, it’s important to be aware of the limitations and exclusions of the coverage to avoid any surprises. By following the tips outlined in this post, you can maximize your rental car insurance coverage and enjoy peace of mind on your next adventure.
Frequently Asked Questions
Q: Does Southwest Credit Card provide primary rental car insurance coverage?
A: No, Southwest Credit Card provides secondary rental car insurance coverage.
Q: What is the deductible for Southwest Credit Card‘s rental car insurance coverage?
A: The deductible varies depending on the credit card.
Q: Can I use Southwest Credit Card‘s rental car insurance coverage outside the United States?
A: Yes, the coverage applies to rental cars rented in certain international locations.
Q: What types of vehicles are excluded from Southwest Credit Card‘s rental car insurance coverage?
A: Luxury or exotic vehicles are excluded from the coverage.
Q: How do I file a claim for rental car damage or theft covered by my Southwest Credit Card?
A: Contact the rental car company to report the incident and obtain a police report. Then, contact Southwest Credit Card Customer Service to file a claim.
