Wells Fargo credit card rental car insurance covers you up to the actual cash value of the vehicle when you pay for the entire rental with your Wells Fargo card and/or reward points, but you must decline the rental agency’s insurance plan to be eligible for the Wells Fargo credit card benefit. You’re covered for damages resulting from collision or theft, along with loss of use and towing charges. Coverage lasts for 15 consecutive days in the U.S. and up to 31 consecutive days abroad. These terms apply to all Wells Fargo Visa cards.
Wells Fargo has one American Express card, the Wells Fargo Propel American Express® card. It also offers rental car insurance, but its coverage has an upper limit of $50,000. In addition, it covers rentals of 31 consecutive days or fewer both at home and abroad. It does not cover loss of use charges.
Only the cardholder whose name is on the Wells Fargo card used to pay for the rental is eligible to file a claim. Coverage is secondary for both the Visa and Amex cards. This means it will reimburse you for any collision or theft expenses not covered by any existing car insurance policy you have.
To file a claim, call the Benefit Administrator at (877) 348-8472 within 45 days of the incident. The Benefit Administrator will answer any questions and will send you a claim form. For faster filing, visit www.eclaimsline.com. For the Wells Fargo Propel, call (855) 830-3727 instead.