I was working at PHX. During my stay, I was intentionally hit by some pillar of society who thought I was cutting him off, but I was actually just trying to get into the turn lane next to him. He got the ticket and the police report puts him at fault. Avis wants ~800 from me due to them not being able to collect any money from this guy. So, I tired putting the claim through my AMEX insurance. The immediately tell me they are secondary insurance only and that I need a primary. No problem, I supply our primary ins info (does not cover property damage). The claim is then denied again. I call to find out why and I am given 2 excuses. First, the company was 31 days past due on the bill. This is something I have no control over or any knowledge of. The second is because I did not pay full price for the rental car. I was told that because I used free rental day coupons (provided to me by Avis for all the business we give them), AMEX will not cover the rental. They said 100% of the rental must be on my AMEX. My response to that was 100% of the bill is on my AMEX. However, they would not budge. So, to make a long story short, get the LDW if you are ever renting a car on your AMEX with a coupon. I know discover also has a similar program. I do not know if they have the same outs.

that is pretty bad :S

I think we have heard this similar story about other CC as well.

I think there is a distinction between a "discount" coupon (free day w/ week rental, etc.) vs. being comp'ed rental days with no strings attached. The latter being considered more like a gift certificate that Avis gave you. AMEX does cover with some discounts, I had a similar situation in DC a couple of years ago; the rental was made with a discount code and with the AMEX Open Business Hertz discount. The other person had no insurance and AMEX covered the secondary responsibility.

However, I assume it still is your company that's paying, not you?

what state are you in?

I hope OP is mistaken because this is a very disturbing case if true. I linked this thread in FWF's "Free insurance" thread to get more exposure.

Extend this logic further, any extened warranty on electronic stuff can be invalidated as well if you buy with a percent off coupon because of similiar terms in their extended warranty policy.

FWF's Credit Card Free Insurance Thread

Mikes88Stang said:I was working at PHX. During my stay, I was intentionally hit by some pillar of society who thought I was cutting him off, but I was actually just trying to get into the turn lane next to him. He got the ticket and the police report puts him at fault. Avis wants ~800 from me due to them not being able to collect any money from this guy. So, I tired putting the claim through my AMEX insurance. The immediately tell me they are secondary insurance only and that I need a primary. No problem, I supply our primary ins info (does not cover property damage). The claim is then denied again. I call to find out why and I am given 2 excuses. First, the company was 31 days past due on the bill. This is something I have no control over or any knowledge of. The second is because I did not pay full price for the rental car. I was told that because I used free rental day coupons (provided to me by Avis for all the business we give them), AMEX will not cover the rental. They said 100% of the rental must be on my AMEX. My response to that was 100% of the bill is on my AMEX. However, they would not budge. So, to make a long story short, get the LDW if you are ever renting a car on your AMEX with a coupon. I know discover also has a similar program. I do not know if they have the same outs.

I buy the premium rental coverage throught AMEX. It costs me $19.95 per rental period no matter how long the rental is. I hope this coverage would kick in if I needed it. Here is the link for what it covers:

https://www152.AmericanExpress.com/fsea/travel/car_rental/coverage.do

lostdude said:AFAIK, flat tire is a black hole in rental coverage. When I had a flat with a rental, MC said they don't cover flat. Everyone treat it as if you had a flat on your own car.Agreed, I have always heard that tire damage has nothing to do with any of the coverage you may buy (or have on your card).

In fact, if you read most rental aggreements (and who does), there is usually language to effect that you are responsible for preventative maintenance while the vehicle in your care, like making sure you don't run low on oil and damage the vehicle, etc.

frank10b said:There is a time limit on this coverage of 30 to 45 days, with the great rate rental I had did not allow me to take this insurance.

Interestingly a UK police man helped me change the tire, because there was something stuck in the road from construction. This of course is of no interest to AMEX or Hertz interestly enough.So now you are saying that the tire was damaged during the time you had the car?

If their policy states that tire damage is not covered, what would who helped you (or why it was damaged) have anything to do negating your responsibility? It is not the rental company or AMEX's fault the tire was damaged, so why should they pay for it?

Seems like if you have anyone to be made at, it is the municipality or construction company working on the road.

frank10b said:jaimelobo said:frank10b said:There is a time limit on this coverage of 30 to 45 days, with the great rate rental I had did not allow me to take this insurance.

Interestingly a UK police man helped me change the tire, because there was something stuck in the road from construction. This of course is of no interest to AMEX or Hertz interestly enough.So now you are saying that the tire was damaged during the time you had the car?

If their policy states that tire damage is not covered, what would who helped you (or why it was damaged) have anything to do negating your responsibility? It is not the rental company or AMEX's fault the tire was damaged, so why should they pay for it?

Seems like if you have anyone to be made at, it is the municipality or construction company working on the road.Great! I'll give you a commission of 10 percent if you want to call the local authority and get it sorted out! Cheers!Sorry, you're on your own, I'm already assisting too many clueless people now without adding you to the list.

Just pointing out the fact that you seem to be trying to get someone else to pay for your mistake. Your original post made it sound like you were being scammed by Hertz and then not being abandoned by AMEX, when in reality we find out that apparently, you are trying to scam them.