How does the United MileagePlus Explorer card rental car insurance work?

The United Explorer Card rental car insurance covers damages caused by theft or collision for up to the actual cash value of most rented vehicles. In order to qualify for the coverage, you must pay for the rental entirely with your United Explorer Card and decline any insurance coverage that the car rental agency offers.

Key Things to Know About the United Explorer Card Rental Car Insurance

• Coverage Amount.
  Up to the actual cash value of most rented vehicles.
• File Claims for Domestic Rentals Through Primary Insurance First.
  The United Explorer 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 United Explorer Card rental car insurance benefit is primary and lasts for up to 31 days.
• Not All Vehicles Or Incidents Are Covered.
  The United Explorer Card rental car insurance benefit does not cover a few types of vehicles like trucks, motorcycles, RVs and more. Coverage also does not apply to certain incidents such as personal injury, loss of personal belongings, and situations like driving while intoxicated or driving off-road.

How to File a Claim

To file a United Explorer Card rental car insurance claim, call the Benefit Administrator at (888) 880-5844 or file one online, within 60 days the incident. They will send you a claim form, which you must sign and return within 100 days of the incident. You must provide all supplemental paperwork, like accident reports and damage estimates, within 365 days of the incident. You should expect the issuer to pay the claim within 15 days of approving it.