Will Visa cover me for my auto insurance?

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Things to Remember...
  • To a limited degree, Visa will cover you against collision and theft of your rental vehicle
  • If you have auto insurance, your primary provider will fulfill its obligations, and then any auto insurance claims that were beyond its financial obligation will be covered by Visa, if the accident was due to collision and/or theft
  • A driver needs to file an incident claim report immediately, but cannot exceed later than 45 days following the time and date of a theft or collision to your rental vehicle

Yes, to a limited degree, Visa will cover you against collision and theft of your rental vehicle. This applies to all Visa Standard, Rewards, and Premium Rewards cards.

So if you get into a car accident or your rental vehicle is stolen then you are covered.

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You do need to decline the collision damage waiver (CDW) coverage if offered to you by the rental company in order for the Visa coverage to kick in. Moreover, only you and any drivers that are legally allowed by the car rental agency will benefit from this coverage.

How does this Visa benefit work?

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The rental car CDW, as it is called in Visa’s lingo, provides the driver of a rental vehicle supplemental own auto insurance in addition to what he or she may already be carrying.

So if you have auto insurance, your primary provider will fulfill its obligations, and then any auto insurance claims that were beyond its financial obligation will be covered by Visa, if the accident was due to collision and/or theft.

What does Visa cover?

If you have not exceeded a rental of 15 days in a row within your country of origin or 31 days in a row outside your country of residence, then this insurance will cover you.

If you have personal insurance that covers theft or damage to your vehicle, then the initial claims will be covered by this primary carrier, and any remaining balance will then be covered by Visa.

But with this coverage, Visa will take care of your personal insurance deductible. Also, the Visa coverage will reimburse you for any administrative charges brought to you by the rental car agency, as well as any towing expenses not fully covered by your primary insurance carrier.

If Visa is your only form of insurance, then it will take on full responsibility for the aforementioned coverage up to its stated limit.

While most standard SUVs, private passenger vehicles, and minivans will be covered under this insurance, there are vehicles that will not be covered. Contact Visa to find out what these sorts of means of transportation are.

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How do I get my Visa rental car auto insurance started?

In order to activate the Visa Rental CDW you must do the following:

  • Use your Visa card for the complete rental transaction
  • Decline the rental car agency’s collision coverage option, or a provision that infers similar type coverage

How do I contact Visa if my rental car gets into a collision or is stolen?

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As soon as you can, contact the representative of Visa and report that your rental vehicle was stolen or damaged, whether or not you are liable for the accident/damage to the car.

If your vacation or business trip has you visiting outside of the U.S., you will need to once again contact the representative of Visa and he or she will walk you through any questions you or the rental agency has in regard to this incident.

Moreover, the representative of Visa will send you an insurance form to fill out regarding your claim.

Visa does keep the right to refuse to pay out any claims that were incurred following contacting a representative of Visa.

A driver needs to file an incident claim report immediately, but cannot exceed later than 45 days following the time and date of a theft or collision to your rental vehicle.

What will Visa not cover?

  • If you take on another insurance agreement (other than your personal auto insurance deductible), you will be under that obligatory guidelines first
  • If you break the rental car agreement or this insurance benefit
  • No medical coverage is provided to anyone with this policy inside or outside of the vehicle
  • No property damage is covered with this policy
  • Any personal belongings lost due to theft or damage inside the vehicle
  • Your personal liability
  • Any financial burden assumed, paid, or waived by the rental car agency or by you personally
  • The price of any other insurance or CDW that was offered by or bought through the rental car agency
  • Any loss of value in the rental vehicles value due to the incident
  • Any financial reimbursement by your insurer or third party
  • If you are under the influence of drugs or alcohol and damage or theft occurs to the vehicle while you are in this state
  • Any intentional damage or theft to the vehicle
  • Any supplemental parts or pieces that were not originally placed into the vehicle by the manufacturer
  • If you drive your rental vehicle off-road and damages occur
  • If your car is stolen or damaged due to any type of hostility brought upon you and the vehicle such as gang violence, war, or terrorist-related incidents
  • If your rental car is taken by the police or other state or federal authorities
  • If you are leasing the vehicle
  • If you leave the car unattended and have the engine running

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