Maria Adams, Credit Cards Moderator
@m_adams
Wells Fargo offers rental car insurance as a complimentary benefit on all Wells Fargo-branded credit cards. Wells Fargo rental car insurance covers damage or theft of a rental vehicle.
Cardholders are covered up to $50,000. To get the coverage, a cardholder must decline the rental agency’s insurance and pay for the rental entirely with an Wells Fargo credit card or rewards.
Notable Wells Fargo Credit Cards That Offer Rental Car Insurance
- Wells Fargo Autograph® Card
- Wells Fargo Active Cash® Card
- Wells Fargo Reflect® Card
- Wells Fargo Autograph Journey℠ Card
Key Things To Know About Wells Fargo Rental Car Insurance
Coverage Amount. Up to $50,000.
File Claims for Domestic Rentals Through Primary Insurance First. The Wells Fargo rental car insurance benefit provides secondary coverage for domestic rentals of up to 15 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
Coverage Is Primary When Renting Vehicles Abroad. If you’re renting a vehicle outside of your home country, coverage under the Wells Fargo Autograph Card rental car insurance benefit is primary and lasts for up to 31 days.
Not All Vehicles or Incidents Are Covered. Wells Fargo rental car insurance does not cover expensive, exotic, antique cars; cargo vans; motorcycles and others. Coverage also does not apply to certain incidents such as Israel, Jamaica, the Republic of Ireland or Northern Ireland.
How to File a Wells Fargo Rental Car Insurance Claim
To file a Wells Fargo rental car insurance claim, call the Benefit Administrator at (800) 316-8051 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), copy of the repair estimate and itemized repair bill, two (2) photographs of the damaged vehicle, police report, among others – no later than 60 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.
Popular Wells Fargo Credit Cards
-
Cash Rewards
-
0% Intro APR
-
Travel Rewards
-
Hotel Rewards
People also ask
Do you need insurance to rent a car?
No, you don’t need insurance to rent a car. Rental companies must insure rental cars because they own and register the vehicles, but they usually carry only minimum liability coverage. If you don’t have personal insurance or credit card rental car insurance, you’ll probably want some of the extra coverage rental companies offer at the time of sale.
Before you buy the rental company’s insurance, you should consider what coverage you may already have through your personal car...
read full answer by Anamarie Waite, Car Insurance WriterHow does rental car liability insurance work?
Rental car liability insurance works by paying for injuries or property damage that you cause in an accident while driving a rental car. In every state except California, the minimum amount of liability coverage required by the state is automatically included in rental car contracts. Rental car liability insurance does not protect you or your rental car from collision damage, car theft, loss of personal effects, or injuries.
Should You Get Rental Car Liability...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.