left with no coverage after using Enterprise plus reward points

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Dec 4, 2018
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#1
I rented a car from Enterprise back in July and had an accident. Police counted it at-fault. I had American Express cover the rental. What I didn’t know that when I used my Enterprise plus reward points for free day of rental on that trip that it voided American Express coverage and I got stuck with $13,000 bill. Is there any way this can be settled for a lesser amount?
 
Dec 19, 2014
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#2
Have you filed it with your personal auto insurance? American Express is secondary coverage if I am not mistaken. If you do not have a personal car insurance policy (because you don't own a car) I have no other advice than to try and settle for a lower amount with Enterprise.
 

weihlac

Verified Member
Jun 30, 2017
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#3
I rented a car from Enterprise back in July and had an accident. Police counted it at-fault. I had American Express cover the rental. What I didn’t know that when I used my Enterprise plus reward points for free day of rental on that trip that it voided American Express coverage and I got stuck with $13,000 bill. Is there any way this can be settled for a lesser amount?
Amex wording says that the "entire" rental must be paid for by the CC ( When you use your eligible Card to reserve and pay for the entire eligible vehicle rental )-thus denial of claim when points were used for partial payment. Not an obvious exclusion but it is in their terms.
 
Dec 4, 2018
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#4
Amex wording says that the "entire" rental must be paid for by the CC ( When you use your eligible Card to reserve and pay for the entire eligible vehicle rental )-thus denial of claim when points were used for partial payment. Not an obvious exclusion but it is in their terms.
I didn’t have my personal vehicle at time but I kept my progressive insurance on auto payments. And just happened that progressive sent me renewal paperwork to my old address and I moved twice. So I never received a renewal letter and they just cancelled my auto payments without even leaving me a voice mail or a follow up email.
 
Dec 19, 2014
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#5
I didn’t have my personal vehicle at time but I kept my progressive insurance on auto payments. And just happened that progressive sent me renewal paperwork to my old address and I moved twice. So I never received a renewal letter and they just cancelled my auto payments without even leaving me a voice mail or a follow up email.
Ouch. Based on what you wrote, you have no liability coverage, so if you damaged something other than the car, another party may be coming after you too.
 
Dec 4, 2018
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#6
Yes, a very painful situation and all because I used those stupid points. Do you think I could hire a lawyer and negotiate $13,000 for something less or not even bother and get a payment plan?
 

johnbaker

Verified Member
Oct 2, 2014
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#7
@Julia123 I'm not sure what you would use a lawyer for. If you were found at fault, you are going end up paying. You might try negotiating yourself. I would also definitely follow the advice on the rental car page on what to ask for as far as documents. Some of the $13,000 may not be recoverable on their end....