Will Visa cover my rental car collision waiver?
January 9, 2013 11:31 AM Subscribe
Will Visa cover my rental car collision damage waiver even if it is my wife's card and the rental car is in my name? What is the best way around paying the rental company $20/day for damage waiver but still be covered? Any experience getting Visa to cover damage to rental car?
posted by pandabearjohnson to Travel & Transportation (5 answers total) 4 users marked this as a favorite
I've reserved a car in Miami for our family vacation. We are Americans, but residents of France (we have car insurance in France but not in the US). We don't rent cars often and in the process of searching for a rental car I have found that rental companies that let you select your country of residence are much cheaper (and this difference seems to come down to how the insurance is handled). For example, Alamo lets me select country of residence right up front. If I select France I get a price of about $800. If I select USA I get a price of about $1400. Other companies (Avis for example) never give you a chance to select country of residence.
So I finally settled on Alamo and worked my way through their reservation process. On the second webpage it told me the Collision Damage Waiver and Extended Protection were included in the quoted price. A few pages later it gave me the option to select the CDW and EP for prices of about $18/day and $7/day. I had to deselect the insurance to get the price to be the earlier quoted price. Since I am going to pay for the rental with a Visa I know that Visa will cover (to some extent) the CDW.
After I made the reservation and gave my credit card details I suddenly realized that the card I've used is in my name but is actually my wife's card. I made the reservation in my name. For logistical reasons my wife won't be there when I pick up the car so the rental can't be in her name. My question is: will Visa still cover the Collsion Damage Waiver even though the reservation was made with a second card and not the original account owner's card?
Have you had any experience getting Visa to cover a Collision Damage Waiver on a rental car?