Amex Platinum car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Amex Platinum credit card or American Express rewards points. To get Amex Platinum car rental insurance coverage, you must decline the rental agency's supplemental insurance policy. To make a Platinum Card rental car insurance claim, call 1-800-338-1670 within 30 days of a covered incident.

There are a few exceptions you should be aware of, though. And there are more details about the process you'll need to follow to actually get your money. You can find the key points below.

Amex Platinum Car Rental Insurance Info:

You're covered up to $75,000 per claim for collision damage or theft.
You must pay for the entire rental with your Amex Platinum card or rewards points.
You must decline the rental agency's insurance policy.
The following types of vehicles are not covered by Amex Platinum rental car insurance: Cargo vans, vans that carry 9+ people, box trucks, trucks that weight 10k+ lbs., modified vehicles (except for handicapped accessibility), antiques, limos, off-road vehicles, motorcycles/motorbikes/mopeds, RVs, golf carts, and a few others.
The following situations and types of damage are not covered by Amex Platinum rental insurance: Manufacturing defects, wear and tear, damage from illegal activities, accidents caused by driver's intoxication, seizure by authorities, damage by war, and a few others.
To make an Amex Platinum rental car insurance claim, call 1-800-338-1670 within 30 days of the incident. You can also call 1-216-617-2500 collect from abroad. Amex will then mail you instructions for what to do next. You'll have 60 days to return any proof they request, which may include damage estimates, police reports, etc.

Amex Platinum rental car insurance will reimburse you within 90 days of American Express receiving your proof of the incident. Before you rent a car with your Amex Platinum card, you should take some time to read through the benefits guide. It will give you the full information.