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.
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.