What To Know
- The United Explorer Card offers primary rental car insurance coverage, which means it is the first line of defense against financial liability in the event of an accident.
- To file a claim under the United Explorer Card’s rental car insurance coverage, follow these steps.
- Understanding the ins and outs of the United Explorer Card’s rental car insurance coverage is crucial for making informed decisions when renting a vehicle.
When embarking on a road trip, securing adequate rental car insurance is paramount. As a United Explorer Cardholder, you may wonder if your card provides this essential coverage. This comprehensive guide delves into the intricacies of the United Explorer Card’s rental car insurance benefits, empowering you to make informed decisions.
United Explorer Card Rental Car Insurance Coverage
The United Explorer Card offers primary rental car insurance coverage, which means it is the first line of defense against financial liability in the event of an accident. This coverage includes:
- Collision Damage Waiver (CDW): Protects against damage to the rental car.
- Theft Protection: Covers theft of the rental car.
Exclusions and Limitations
While the United Explorer Card provides primary coverage, certain exclusions and limitations apply:
- Countries: Coverage is only valid in the United States, Canada, and Puerto Rico.
- Vehicles: Coverage applies to passenger vehicles with a maximum value of $50,000.
- Exclusions: Coverage does not extend to intentional damage, driving under the influence, or damage caused by off-road driving.
Comparison to Other Credit Cards
Compared to other travel credit cards, the United Explorer Card offers competitive rental car insurance coverage. However, it’s important to note that some cards, such as the Chase Sapphire Reserve, provide broader coverage and higher limits.
How to File a Claim
To file a claim under the United Explorer Card‘s rental car insurance coverage, follow these steps:
1. Notify the rental company and file a police report if necessary.
2. Contact United Customer Service at 1-800-241-6522.
3. Provide the rental car company‘s name, rental agreement number, and details of the incident.
Additional Benefits
Beyond rental car insurance, the United Explorer Card offers numerous other benefits, including:
- 2 miles per dollar spent on United purchases
- Free checked bags
- Priority boarding
- Lounge access
When to Consider Additional Coverage
While the United Explorer Card provides primary coverage, you may consider purchasing additional insurance if:
- You are renting a vehicle with a value exceeding $50,000.
- You are traveling to a country not covered by the card’s insurance.
- You are concerned about specific exclusions, such as off-road driving.
Final Note: Navigating the Insurance Maze
Understanding the ins and outs of the United Explorer Card’s rental car insurance coverage is crucial for making informed decisions when renting a vehicle. By weighing the benefits, limitations, and potential need for additional coverage, you can ensure peace of mind on your next road trip.
Answers to Your Most Common Questions
Q: Is the United Explorer Card‘s rental car insurance coverage primary or secondary?
A: Primary coverage.
Q: What is the maximum value of vehicles covered under the card’s insurance?
A: $50,000.
Q: Does the coverage extend to other drivers authorized on the rental agreement?
A: Yes, as long as they are authorized drivers on the rental agreement.
