Maximum accidental injury benefit (per person in your car, secondary) Maximum loss/damage of rental car benefit $24.95 ($17.95 California residents, $15.25 Florida residents)Д¤2 consecutive days (30 days for Washington State residents)

Remember, though, the included secondary car rental policies differ across American Express cards, so yours might not be exactly like the one outlined below. The following table compares the lower and higher levels of the optional Premium Car Rental Protection policies with a secondary policy included with The Platinum CardВ® from American Express. (Screenshot courtesy of American Express) Primary coverage means that you donвЂ™t have to file with any other insurance before filing with American Express. Most American Express cards - even those that donвЂ™t include secondary coverage on rental cars - offer the opportunity to purchase primary coverage at a reasonable flat cost per rental. Related: Choosing the best American Express credit card for you What is American Express Premium Car Rental Protection? Different cards provide different levels of coverage, so be sure to check the policy for your particular card. If you want to know whether a particular American Express card provides secondary coverage, American ExpressвЂ™s website shows policies for all 65 cards that include this coverage.

Any truck that has a gross vehicle weight rating of 10,000 pounds or moreДЄdditionally, any rental vehicle rented in Australia, Italy, New Zealand, or any country on the Office of Foreign Assets Control sanctioned country list is excluded.

Vans with a seating capacity over eight passengers.

If you carry an Amex card that is eligible for the issuerвЂ™s secondary insurance, beware some types of vehicles are excluded from coverage. ThatвЂ™s why itвЂ™s a good idea to try and get primary rental car insurance whenever possible.

It can also be a problem if you have a high deductible on any of the policies you carry since you could be out-of-pocket for hundreds or even thousands of dollars. This is less than ideal as it can cause your insurance premiums to go up. However, since the insurance is secondary, if something does happen to your rental vehicle,В youвЂ™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 donвЂ™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 beginnerвЂ™s guide. A small number of premium travel rewards credit cards even offer primary coverage вЂ“ which means you donвЂ™t have to file with any other insurance first вЂ“ 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 youвЂ™re in an accident or if the rental car is stolen or damaged. EditorвЂ™s note: This is a recurring post, regularly updated with new information.

Amex optima/oasis program