k*********5
发帖数: 1417 | 1 今天加入了amex的租车计划
不过有两个选项
Amount of Theft/Damage Coverage* Premium (per rental)
Up to $100,000 $24.95
Up to $75,000 $19.95
请问这其中到底有什么区别啊
不是说只能租不超过5万的车么？
那是Up to $100,000 $24.95的不超过5万？那19.95的最多能租多少价值的车呢？
这个5万是怎么弄出来的？
还有看了他家的解释
是不是这两个的区别主要在于不同价值的人身保险和财产保险？
PREMIUM CAR RENTAL PROTECTION DETAILS
Premium Car Rental Protection (PCRP) is an insurance product offered by
American Express® Travel Related Services Company, Inc. to help protect
American Express Cardmembers and Passengers when the Cardmember uses an
enrolled Card to pay for a Car Rental from a Rental Company. Coverage
includes 1) reimbursement for damage to or theft of the Rental Auto and
personal property, and 2) medical expenses and death and dismemberment
benefits for Covered Persons resulting from a Covered Accident. Coverage is
worldwide except for vehicles rented in Australia, Ireland, Israel, Italy,
Jamaica, and New Zealand or anywhere coverage would be in violation of U.S.
economic or trade sanctions.
This coverage provides benefits in addition to those that may be available
to you at no additional charge when you use your American Express Card.
Enrollment is available to Consumer and Small Business Cardmembers residing
in the 50 United States, D.C., Puerto Rico or US Virgin Islands. Corporate
Cardmembers are not eligible.
What the Plan Covers
The $100,000 coverage level with a premium of $24.95 ($17.95 for California
Residents) covers:
•Up to $100,000 of primary damage and theft coverage for the rental
car.
•Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage
($250,000 for California Residents).
•Up to $10,000 of AD&D coverage per passenger ($40,000 for Florida
Residents and $250,000 for California Residents).
•Up to $15,000 per person of excess coverage for Medical Expenses.
•Up to a maximum of $300,000 combined medical and AD&D coverage per
car ($500,000 for California Residents).
•Up to $5,000 per person of excess coverage for personal property,
maximum of $10,000 for all. (Up to $15,000 per person, maximum of $25,000
for Florida Residents).
•This product does not include liability coverage .
The $75,000 coverage level with a premium of $19.95 ($15.95 for California
Residents) covers:
•Up to $75,000 of primary damage and theft coverage for the rental car.
•Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage.
($150,000 for California Residents).
• Up to $7,500 of AD&D coverage per passenger ($150,000 for California
Residents) .
• Up to $7,500 per person of excess coverage for Medical Expenses.
• Up to a maximum of $200,000 combined medical and AD&D coverage per
car ($350,000 for California Residents) .
• Up to $2,500 per person of excess coverage for personal property,
maximum of $5,000 for all.
• This product does not include liability coverage.
Premiums/Billing and Refunds
There is no cost to enroll in Premium Car Rental Protection, and there are
no monthly, annual, or cancellation fees. A flat rate of $19.95 or $24.95
per rental ($15.95 or $17.95 per rental for California residents) will be
automatically charged to your enrolled American Express Cards each time you
use the card to pay for a rental car, until coverage is terminated. The flat
rate covers the duration of the rental, for up to 42 consecutive days (up
to 30 consecutive days for Washington Cardmembers).
If premium charges are billed to your Enrolled Cards in error, such as a
cancelled rental, no show, or other charges unrelated to the actual car
rental, please contact us for a refund by calling the number on the back of
your card or by filling out the refund form included with your billing
statement. If you cancel a refundable car-rental reservation, the premium
billed will automatically be refunded to you. This credit will appear on the
statement along with the credited car-rental reservation or on the
following statement.
Vehicles Covered by the Plan
The Plan can cover most vehicles typically available from a Rental Company,
from smaller economy sizes to large luxury sedans, convertibles, exotic cars
(worth more than $50,000), minivans, vans, pickup trucks, and full-sized
SUVs. The vehicle must be rented from a Rental Company, which is a
commercial rental agency that rents passenger-type motor vehicles, but it
does not include a company whose primary business is something other than
renting cars, such as an auto body shop or a moving van company. Excluded
vehicles include: automobiles that have been customized or modified from the
manufacturer's factory specifications, except for driver's assistance
equipment for the physically challenged; any rented vehicle used for hire or
commercial purposes; antique cars (cars over 20 years old or cars that have
not been manufactured for over 10 years); limousines; and off-road vehicles
, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized
carts, campers, moving trucks or moving vans, and trailers. Vehicles covered
may vary by state. Please see your Plan documents.
Determining coverage of personal car insurance or business insurance
It's possible that a Cardmember's personal car insurance or business
insurance might cover these types of losses. However, here are a few things
to keep in mind:
•Premium Car Rental Protection is primary insurance of theft of and
damage to the rented vehicle, which means enrollees won't have to use their
own insurance first, or pay a deductible. Please note, there may
occasionally be some instances in which your personal car insurance company
could still be notified, such as if you caused an accident that resulted in
changes to your driving history report.
• Also, insurance policies often vary in their coverage of rental cars
, or out-of-state or international driving. Cardmembers should check
personal policies carefully to see whether they're covered for rental cars.
But this plan covers enrollees for cars rented anywhere in the world except
Australia, Ireland, Israel, Italy, Jamaica, and New Zealand or in any
instance that would be in violation of U.S. economic or trade sanctions.
Coverage is automatically extended to other American Express Cards
Whenever you enroll one American Express card in the Premium Car Rental
Protection plan, you automatically enroll all of your other American Express
Card accounts. You also automatically enroll any additional cards that you
have on those accounts. If the Card you enroll is an additional card issued
to you on someone else's account, no other Cards or Card Accounts will be
automatically enrolled.
In the future, if you open any new card accounts or if you add any
additional cardmembers to those accounts, we will also automatically enroll
those cards in the plan.
The only cards that are not enrolled are corporate cards, additional cards
issued to you on someone else's account, and any card issued by a third-
party bank partner of American Express. Also, if you have a card that was
already enrolled in this plan, that card is covered under a separate plan.
You cannot add that card to this plan.
Provider of Premium Car Rental Protection
Premium Car Rental Protection is underwritten by AMEX Assurance Company,
Administrative Office, Phoenix, AZ. Coverage is determined by the terms,
conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is
subject to change with notice. This document does not supplement or replace
the Policy.
American Express Travel Related Services Company Inc., a licensed insurance
producer, will provide services to you as a representative of and on behalf
of AMEX Assurance Company and will receive compensation from AMEX Assurance
Company in connection with the placement of insurance. When identifying
insurance products that may be of interest to you, American Express and its
affiliates may also receive compensation or additional financial benefit
when AMEX Assurance Company or another American Express entity acts as the
insurer, reinsurer or intermediary for these products. The insurance
producer will not receive compensation based on the sale of insurance
coverage from AMEX Assurance Company or any third party. |
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