However, since the insurance is secondary, if something does happen to your rental vehicle, you'll need to file with any other insurance you have (such as your personal car insurance or travel insurance) before attempting to submit a claim to Amex. The secondary car rental loss and damage insurance included with many American Express cards will cover you when an eligible rental car is damaged or stolen. What car rental protection is automatically provided by American Express cards? This guide looks at this optional coverage and discusses when it makes sense to enroll. The optional Premium Car Rental Protection policy can be added to rentals made using an eligible Amex card for a small fee. While most American Express credit cards don't automatically offer primary car rental coverage (many offer secondary coverage, though), most will offer the option to purchase a Premium Car Rental Protection policy that provides primary coverage. New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide. A small number of premium travel rewards credit cards even offer primary coverage – which means you don't have to file with any other insurance first – but secondary coverage is much more common. Some credit cards offer insurance when you rent a car using your card that covers the rental car if you’re in an accident or if the rental car is stolen or damaged. Editor’s note: This is a recurring post, regularly updated with new information.
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