Definitions
Account means Your credit or debit card Accounts. 

Actual Cash Value means the amount a Rental Vehicle is determined to be worth 
based on its market value, age and condition at the time of loss. 

Eligible Person means a cardholder who pays for their auto rental by using their 
eligible Account. 

Rental Car Agreement means the entire contract an eligible renter receives  
when renting a Rental Vehicle from a rental car agency which describes in full all of  
the terms and conditions of the rental, as well as the responsibilities of all parties 
under the contract.

Rental Vehicle means a land motor vehicle with four or more wheels as described 
in the participating organization’s disclosure statement which the eligible renter has 
rented for the period of time shown on the Rental Car Agreement and does not have a 
manufacturer’s suggested retail price exceeding the amount shown on the participating 
organization’s disclosure statement

You or Your means an Eligible Person who uses their eligible card to initiate and 
complete the rental car transaction. 

Additional Provisions for Auto Rental Collision Damage Waiver
•  Signed or pinned transactions are covered as long as You use Your eligible Account 

to secure the transaction.

•  You shall do all things reasonable to avoid or diminish any loss covered by this  

benefit. This provision will not be unreasonably applied to avoid claims. 
•  If You make any claim knowing it to be false or fraudulent in any respect,  
no coverage shall exist for such claim, and Your benefit may be cancelled.  
Each cardholder agrees that representations regarding claims will be accurate  
and complete. Any and all relevant provisions shall be void in any case of fraud, 
intentional concealment, or misrepresentation of material fact. 

•  No legal action for a claim may be brought against the Provider until sixty (60) days 
after the Provider receives Proof of Loss. No legal action against the Provider may  
be brought more than two (2) years after the time for giving Proof of Loss. Further,  
no legal action may be brought against the Provider unless all the terms of the  
Guide to Benefits have been complied with fully. 

•  This benefit is provided to eligible cardholders at no additional cost. The terms 

and conditions contained in this Guide to Benefits may be modified by subsequent 
endorsements. Modifications to the terms and conditions may be provided via 
additional Guide to Benefits mailings, statement inserts, statement messages, or 
electronic notification. The benefits described in this Guide to Benefits will not apply 
to cardholders whose Accounts have been suspended or cancelled. 

•  Termination dates may vary by financial institutions. Your financial institution can 

cancel or non-renew the benefits for cardholders, and if they do, they will notify You 
at least thirty (30) days in advance. Indemnity Insurance Company of North America 
(“Provider”) is the underwriter of these benefits and is solely responsible for its 
administration and claims. The Benefit Administrator provides services on behalf  
of the Provider. 

CLAIMS SNAPSHOT

You are involved in 
a fender bender with 
your rental car

•  After the Benefit Administrator has paid Your claim, all Your rights and  

remedies against any party in respect of this claim will be transferred to the  
Benefit Administrator to the extent of the payment made to You. You must give  
the Benefit Administrator all assistance as may reasonably be required to secure  
all rights and remedies.

45 DAYS

•  This benefit does not apply to the extent that trade or economic sanctions or other 
laws or regulations prohibit the provision of insurance, including, but not limited to, 
the payment of claims.

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

6 MONTHS

Submit Claim Form

12 MONTHS

All supporting documents
must be provided

For more information about the benefit described in this guide, 
call the Benefit Administrator at 1-800-348-8472, or call collect 
outside the U.S. at 1-804-673-1164.

Claim settled

4

FORM #ARCDW – 2017 (Stand 04/17) 

                                                     ARCDW-O

DD49R

Your Guide to Benefit describes the benefit in effect as of 4/1/17.  
Benefit information in this guide replaces any prior benefit information  
You may have received. Please read and retain for Your records.  
Your eligibility is determined by Your financial institution.

Auto Rental  
Collision Damage Waiver
No cardholder wants to incur the expense of repairing  
or replacing a rented car. But accidents do happen, and vehicles 
do get stolen. 

No matter what happens to Your rental car, You can be covered with Auto Rental 
Collision Damage Waiver. Auto Rental Collision Damage Waiver reimburses You for 
damages caused by theft or collision – up to the Actual Cash Value of most rented cars. 
Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the 
event of a collision involving Your rented vehicle, damage to any other driver’s car or 
the injury of anyone or anything is not covered. Rental periods of fifteen (15)  
consecutive days within Your country of residence, and thirty-one (31) consecutive  
days outside it, are both covered. (Longer rental periods, however, are not covered.)

You are eligible for this benefit if Your name is embossed on an eligible card issued  
in the United States and You use it to initiate and complete Your entire car rental 
transaction. Only You as the primary car renter and any additional drivers permitted by 
the Rental Car Agreement are covered.

How Auto Rental Collision Damage Waiver  
Works With Other Insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges 
imposed and substantiated by the auto rental company, administrative fees and  
reasonable and customary towing charges, due to a covered theft or damage to the 
nearest qualified repair facility. 

If You do have personal automobile insurance or other insurance that covers theft or 
damage, this benefit reimburses You for the deductible portion of Your car insurance or 
other insurance, along with any unreimbursed portion of administrative and loss-of-use 
charges imposed by the car rental company, as well as reasonable towing charges 
while the car was Your responsibility.

12 MONTHS

All supporting documents
must be provided

If You do not have personal automobile insurance or any other insurance, the benefit 
reimburses You for covered theft, damage, or administrative and loss-of-use charges 
imposed by the rental company, as well as reasonable towing charges that occur while 
You are responsible for the vehicle.

Claim settled

If You are renting outside of Your country of residence, the coverage provided under 
this benefit is primary and reimburses You for covered theft, damage, or administrative 
and loss-of-use charges imposed by the rental company, as well as reasonable towing 
charges that occur while You are responsible for the vehicle.

TIP:

How to Use Auto Rental Collision Damage Waiver
1.  Use Your card to initiate and complete Your entire car rental 

transaction. 

Before You  
leave the lot, be 
sure to check  
the car for any  
prior damage.

TIP:

2.  Review the auto rental agreement and decline the rental company’s 
collision damage waiver (CDW/LDW) option, or a similar provision, 
as accepting this coverage will cancel out Your benefit.  
If the rental company insists that You purchase their insurance 
or collision damage waiver, call the Benefit Administrator for 
assistance at 1-800-348-8472. Outside the United States,  
call collect at 1-804-673-1164.

This benefit is in effect during the time the rental car is in Your (or an authorized  
driver’s) control, and it terminates when the rental company reassumes control of  
their vehicle.

CLAIMS SNAPSHOT

You are involved in 
a fender bender with 
your rental car

45 DAYS

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

6 MONTHS

Submit Claim Form

CLAIMS SNAPSHOT

You are involved in 

a fender bender with 

your rental car

45 DAYS

Call the

Benefits Administrator; 

to report accident; 

recieve claim form

6 MONTHS

Submit Claim Form

12 MONTHS

All supporting documents

must be provided

6 MONTHS

Submit Claim Form

Claim settled

12 MONTHS

All supporting documents

must be provided

Claim settled

CLAIMS SNAPSHOT

Use Your 
covered Account 
to secure 
and complete 
Your car rental 
transaction

You are involved in 
a fender bender with 
Your Rental Vehicle 

45 DAYS

Call the
Benefits Administrator 
to report the accident 
and receive a claim form

90 DAYS

Claim form must be 
submitted with 
supporting documents

Claim settled

1

   225    05/18

TIP:

www.

 
CLAIMS SNAPSHOT

You are involved in 

a fender bender with 

your rental car

45 DAYS

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

6 MONTHS

Submit Claim Form

12 MONTHS

All supporting documents
must be provided

Claim settled

This benefit is available in the United States and most foreign countries (with the 
exception of Israel, Jamaica, the Republic of Ireland or Northern Ireland). 
However, this benefit is not available where precluded by law, or where it’s in violation 
of the territory terms of the auto rental agreement, or when prohibited by individual 
merchants. Because regulations vary outside the United States, check with 
Your auto rental company and the Benefit Administrator before You travel,  
to be sure that Auto Rental Collision Damage Waiver will apply.

TIP:

CLAIMS SNAPSHOT

Vehicles Not Covered
Certain vehicles are not covered by this benefit, they consist of: expensive, exotic,  
and antique cars; cargo vans; certain vans; vehicles with an open cargo bed; trucks; 
motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.

You are involved in 
a fender bender with 
your rental car

45 DAYS

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

Examples of expensive or exotic cars are the Alfa Romeo,  
Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, 
Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. 
However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, 
Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered. 

6 MONTHS

An antique car is defined as one that is over twenty (20) years old,  
or one that has not been manufactured for ten (10) years or more. 

Submit Claim Form

Vans are not covered. But those designed as small-group  
transportation vehicles (seating up to nine (9) people, including  
the driver) are covered.

12 MONTHS

TIP:

If you are not sure 
if your vehicle is 
eligible for coverage, 
contact the Benefits 
Administrator.

TIP:

All supporting documents
must be provided

www.
If You have questions about a specific vehicle’s coverage or organization where  
the vehicle is being reserved, call the Benefit Administrator at 1-800-348-8472,  
or call collect outside the United States at 1-804-673-1164. 

Claim settled

Related Instances & Losses Not Covered
•  Any obligation You assume under any agreement (other than the deductible  

on Your personal auto policy)

•  Any violation of the auto rental agreement or this benefit
•  Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
•  Loss or theft of personal belongings
•  Personal liability
•  Expenses assumed, waived, or paid by the auto rental company, or its insurer
•  The cost of any insurance, or collision damage waiver, offered by or purchased 

through the auto rental company

•  Depreciation of the Rental Vehicle caused by the incident including, but not  

limited to, “diminished value”

•  Expenses reimbursable by Your insurer, employer, or employer’s insurance
•  Theft or damage due to intentional acts, or due to the driver(s) being under the  

influence of alcohol, intoxicants, or drugs, or due to contraband, or illegal activities

•  Wear and tear, gradual deterioration, or mechanical breakdown
•  Items not installed by the original manufacturer
•  Damage due to off-road operation of the Rental Vehicle
•  Theft or damage due to hostility of any kind (including, but not limited to, war,  

invasion, rebellion, insurrection, or terrorist activities)

•  Confiscation by authorities
•  Vehicles that do not meet the definition of covered vehicles
•  Rental periods that either exceed, or are intended to exceed, fifteen (15)  

consecutive days, within Your country of residence, or thirty-one (31) days outside 
Your country of residence

• Leases and mini leases
•  Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of 

reasonable care in protecting the Rental Vehicle before and/or after damage or theft 
occurs (for example, leaving the car running and unattended)

•  Theft or damage reported more than forty-five (45) days* after the date  

of the incident

•  Theft or damage for which a claim form has not been received within ninety (90) 

days* from the date of the incident

•  Theft or damage for which all required documentation has not been received  
within three hundred and sixty-five (365) days after the date of the incident
•  Theft or damage from rental transactions that originated in Israel, Jamaica,  

CLAIMS SNAPSHOT

You are involved in 

a fender bender with 

your rental car

45 DAYS

Call the

Benefits Administrator; 

to report accident; 

recieve claim form

6 MONTHS

CLAIMS SNAPSHOT

Submit Claim Form

You are involved in 

a fender bender with 

your rental car

12 MONTHS

All supporting documents
45 DAYS
must be provided

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

Claim settled

6 MONTHS

Submit Claim Form

Filing a Claim 
It is Your responsibility as a cardholder to make every effort to protect Your Rental 
Vehicle from damage or theft. If You have an accident, or Your Rental Vehicle has been 
stolen, immediately call the Benefit Administrator at 1-800-348-8472 to report the 
incident, regardless of whether Your liability has been established. Outside 
the United States, call collect at 1-804-673-1164. 

All supporting documents
must be provided

12 MONTHS

You should report the theft or damage as soon as possible but no later than  
forty-five (45) days from the date of the incident.

Claim settled

The Benefit Administrator reserves the right to deny any claim containing charges 
that would not have been included, if notification occurred before the expenses were 
incurred. Thus, it’s in Your best interest to notify the Benefit Administrator immediately 
after an incident. Reporting to any other person will not fulfill this obligation.

What You Must Submit to File a Claim 
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your  
car rental company for the following documents:

• A copy of the accident report form
• A copy of the initial and final auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• Two (2) photographs of the damaged vehicle, if available
• A police report, if obtainable
•  A copy of the demand letter which indicates the costs You are responsible for  

CLAIMS SNAPSHOT

and any amounts that have been paid toward the claim

You are involved in 
a fender bender with 
your rental car

Submit all of the above documents from the rental company, along with the following 
documents, to the Benefit Administrator:

45 DAYS

•  The completed and signed Auto Rental Collision Damage Waiver claim form.  
Important : This must be postmarked within ninety (90) days* of the theft or  
damage date, even if all other required documentation is not yet available –  
or Your claim may be denied. 

Call the
Benefits Administrator; 
to report accident; 
recieve claim form

•  A copy of Your monthly billing statement (showing the last 4 digits of the  

Account number) demonstrating that the entire rental transaction was made  
on Your eligible Account.

Submit Claim Form

6 MONTHS

•  A statement from Your insurance carrier (and/or Your employer or employer’s 

insurance carrier, if applicable), or other reimbursement showing the costs for which 
You are responsible, and any amounts that have been paid toward the claim. Or, if 
You have no applicable insurance or reimbursement, a statement of no insurance or 
reimbursement is required

All supporting documents
must be provided

12 MONTHS

•  A copy of Your primary insurance policy’s Declarations Page (if applicable) to  

confirm Your deductible. (This means the document(s) in Your insurance policy that 
lists names, coverages, limits, effective dates, and deductibles).

•  Any other documentation required by the Benefit Administrator to substantiate  

Claim settled

the claim

Finally, please note that all remaining documents must be postmarked within  
three hundred and sixty-five (365) days* of the theft or damage date or Your claim  
may be denied. 

*Not applicable to residents of certain states. 

www.

For faster filing, or to learn more about Auto Rental Collision Damage Waiver,  
visit: www.eclaimsline.com

Finalizing Your Claim
Your claim will typically be finalized within fifteen (15) days, after the Benefit  
Administrator has received all the documentation needed to substantiate Your claim.

Transference of Claims 
Once Your claim has been paid, all Your rights and remedies against any party in  
regard to this theft or damage will be transferred to the Benefit Administrator, to the 
extent of the cost of payment made to You. You must give the Benefit Administrator  
all assistance as may reasonably be required to secure all rights and remedies.

2

the Republic of Ireland, or Northern Ireland

*(Not applicable to residents in certain states)

3