When paying for a rental a car in Las Vegas

When paying for a rental a car in Las Vegas or any city by credit card, you may think the card provides liability coverage.

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Like all things involving insurance, it's unwise to make assumptions.

While all four of the major credit card issuers offer some form of car rental insurance, none includes liability protection. Credit cards only cover damage to the rental car.

All American Express cards include damage coverage, but the amount depends on the card type, is limited to a rental of 30 days or less and does not apply in some foreign countries. Coverage is excluded for pick-up trucks, full-sized SUVs, luxury vans, exotic sports cars and cargo vans.

Holders of Discover Platinum, Miles by Discover, Motiva, Titanium, Business and Business Miles cards have coverage for rentals up to 30 days. The amount depends on card type. Off-road vehicles, trucks, minibuses and high-value vehicles are excluded. Coverage applies to vehicles rented in the United States and Canada.

MasterCard provides coverage to Gold, Platinum, World and World Elite cardholders, but it's limited to 15 consecutive rental days and the actual repair cost or $50,000 per incident. Rentals in some foreign countries are excluded.

Visa includes coverage up to the actual cash value of the vehicle as it was originally manufactured, but only for 15 consecutive rental days in the country of residence or 31 consecutive rental days in a foreign country, except Ireland, Israel and Jamaica. Vehicles with an open cargo bed, trucks, motorcycles, mopeds, limousines or recreational vehicles are excluded.

When renting a car in Las Vegas or anywhere else, don't gamble with the odds of needing liability insurance. Make sure your own auto insurance policy provides liability coverage in case of an accident while driving a rental car.

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Posted in Home Improvement Post Date 11/04/2018






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