How does Wells Fargo credit card rental car insurance work?

Wells Fargo credit card travel insurance is a benefit that pays up to $150,000 for any covered loss related to an accident involving a licensed Common Carrier. This is defined any motorized vehicle or mode of transportation that transports passengers for hire.

You must purchase the passenger fare with your Wells Fargo consumer credit card while the insurance is effective to be eligible. The benefit is effective the date you become a Wells Fargo credit cardholder. … read full answer

The Wells Fargo travel insurance covers the cardholder, spouse, and dependent children. Any covered Loss must occur within one year after the accident in order to receive payment.

Covered losses include: accidental loss of life, speech, hearing, sight, and appendages, and more. Benefit payment ranges from 25% to 100%, depending on the severity of the loss.

Losses are not covered for: emotional trauma, mental or physical illness, and illegal acts. Also not included are driving while intoxicated, being under the influence of narcotics, motorized vehicle racing, suicide or attempted suicides, and other incidents.

Refer to your Guide to Benefits for the complete list of covered and non-covered incidents.

To file a claim, contact the Claim Administrator at 1 (855) 830-3722 within 20 days of any covered loss and request a claim form.

Complete all items on the required claim form, attach all appropriate documents, and mail to Broadspire, a Crawford company, P.O. Box 792190, San Antonio, TX 78279. Reference policy # 9906-98-50.

Claims documents may also be submitted via Myclaimsagent.com or faxed to 1 (855) 830-3728.

You or your beneficiary should receive payment within 30 days after complete proof of loss is received, and all other terms of the policy have been completed.

Wells Fargo Platinum credit card rental car insurance covers cardholders for damages resulting from either an accident or theft, up to the actual cash value of a rental vehicle. The benefit provides coverage for up to 15 consecutive days on rentals within the U.S., and for up to 31 days on cars rented abroad. To be eligible, cardholders must pay for the rental entirely with Wells Fargo Platinum as well as decline the rental agency’s insurance.… read full answer

Wells Fargo Platinum rental car insurance is secondary, meaning the benefit may reimburse cardholders for any charges not covered by a primary auto insurance plan. Vehicles not covered include trucks, cargo vans, motorcycles, limousines and more. Some situations are also not covered. Those include losses and incidents such as theft of personal items, injuries or damages inside or outside of the rental vehicle, and more.

To file a Wells Fargo Platinum card rental car insurance claim, call the Benefit Administrator at 1 (800) 348-8472 or visit www.eclaimsline.com within 45 days of the covered incident. You must postmark your signed and completed claim form no later than 90 days after the incident. Do this even if all the other required documents are not yet available. All documents have to be postmarked within 365 days of the incident. You should receive payment within 15 business days from the date all of your documents are received and the claim is substantiated.

This information is accurate as of the day this answer was posted.