Does Southwest Premier Card offer rental car insurance?

The Southwest Rapid Rewards® Premier Credit Card offers rental car insurance as a free benefit. Southwest Premier Card rental car insurance covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges. Cardholders are covered up to the actual cash value of most rented cars. To get the coverage, a cardholder must decline the rental agency’s insurance and pay for the rental entirely with a Southwest Premier Card or points.

Key Things to Know About Southwest Premier Card Rental Car Insurance

Coverage Amount. Up to the actual cash value of most rented cars.

File Claims for Domestic Rentals Through Primary Insurance First. The Southwest Premier Card rental car insurance benefit provides secondary coverage for domestic rentals up to 31 days, so you will need to file a claim through your primary insurance carrier first, if you have one.

Coverage Is Primary When Abroad. If you’re renting a vehicle outside of your home country, coverage under the Southwest Premier Card rental car insurance benefit is primary and lasts for up to 31 days.

Not All Vehicles Or Incidents Are Covered. The Southwest Premier Card rental car insurance benefit does not cover high value motor vehicles, exotic and antique cars, cargo vans, vehicles with open cargo beds, trucks, and others. Coverage also does not apply to certain incidents such as injury of anyone or damage to anything inside or outside the rental vehicle, loss or theft of personal belongings, personal liability, and more.

Chase Rental Car Insurance Claims

To file a Southwest Premier Card rental car insurance claim, call the Benefit Administrator at 1 (888) 320-9656 or visit the card’s benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents – such as copy of the accident report form, copy of the initial and final auto rental agreements (front and back), a copy of the repair estimate or an itemized repair bill, among others – no later than 100 days after the incident. You should receive payment from the Benefits Administrator within 15 days after receipt of all documents and the validation of your claim.