What to do if you find yourself in a filthy Airbnb vacation rental

No one wants to stay in a filthy Airbnb, but if you find yourself in one, you must take specific steps if you hope to qualify for a refund. Here’s what you need to do if you show up and your vacation rental is not inhabitable.

  • Alert the owner/host:
    During the pandemic, we’ve seen an increase in traveler complaints about unclean hotels and vacation rentals. Whether this is due to the reduction in employees available or consumers being more aware and sensitive to the cleanliness of a property, it’s imperative that travelers alert the host of any issues at check-in. This protocol is a required step in the Airbnb resolution process. Airbnb allows the host a reasonable time to correct the problem before it is considered an unsolvable issue.
  • Take photos/videos:
    If you find your next vacation rental in a filthy state, make sure to take photos and document the property’s condition. If the host does nothing to swiftly correct the problem, you will need those photos to support your request for a refund. Remember, if you have no photographic evidence, Airbnb will side with the host who likely has provided many sparkly photos of the property.
  • Use the Airbnb resolution center to escalate your complaint:
    If the host is unresponsive to your request, your next step is to sign in to your Airbnb account and file a complaint. An agent will ask you to upload your photographic evidence and your correspondence with the host. At that time, the Airbnb agent may approve your move to a new location.
  • Confirm what Airbnb will cover if you reject a filthy Airbnb:
    If Airbnb agrees that the conditions at the property make it unacceptable, you’ll be offered a refund, OR the agent may attempt to rehouse you. If you accept the new accommodation, you may end up at an upgraded property. Review the offers very carefully before you commit to the new location. If you decide to go on your own, confirm with Airbnb what replacement costs will be covered.
  • Keep it reasonable:
    It’s essential to keep your new accommodation in line with the cost of your original Airbnb selection. If you’ve always wanted to stay at the Four Seasons — now isn’t the time to do it if you’re hoping for reimbursement from Airbnb. That won’t happen. Make sure to keep the cost of your new hotel or rental reasonable.

Important notice about Lock My PC scam issue and how to recovery your computer

It has come to Lock your computer”s attention that some scammers use Lock My PC for illegal activities (e.g. to extort money). The scammers falsely identify themselves as service providers, install Lock My PC on user computers without permissions and lock the computers.

Since Lock My PC was available for free download from our site, we were unable to control who used this software and for what purposes. However, we consider such activities as a cybercrime and a gross violation of Lock My PC license agreement.

How to recovery your computer

Lock My PC 4.9 Free Edition Password Recovery

If you can’t see the password prompt, Lock My PC is probably in the “blind” mode – press Shift+Spacebar to display the password prompt.

To recover password to Lock My PC free edition, type “999901111” in the password line. Do NOT press Enter or OK button.

You will see a numeric recovery code under the password line.

Type this code in the form below (on this page, not in the program) and certify that you are authorized to unlock by checking the corresponding box, then press Submit.

You will get a new recovery password, which you can use with Lock My PC instead of your password.

Top of Form

Password Recovery code:
I certify that I am an owner or authorized user of the locked computer
might look different

Bottom of Form

If this solution wouldn’t work for you, you may have another version of Lock My PC, so try another way

Important notice about Lock My PC scam issue

It has come to our attention that some scammers use Lock My PC for illegal activities (e.g. to extort money). The scammers falsely identify themselves as service providers, install Lock My PC on user computers without permissions and lock the computers.

Since Lock My PC was available for free download from our site, we were unable to control who used this software and for what purposes. However, we consider such activities as a cybercrime and a gross violation of Lock My PC license agreement.


If recovery page doesn’t help, please contact us.

After receiving too many reports of Lock My PC misuse, we decided to make our user access control software unavailable for public. However, the programs are still available for our existing customers on requests. New customers may request Lock My PC business edition only using their corporate email address.

Free Speech is going away in the world!

Tech Companies are now censoring speech and deleting individuals right to free speech.  Amazon is banning books and films they do not like or consider hateful, but they refused to define hateful.

Amazon has quietly adopted a new policy against any books or movies with material it considers hate speech.  There is just one problem: Amazon does not define what it considers hate speech. Because of this, tons of free speech advocates are sounding the alarm bells, especially since Amazon is quietly cracking down on conservative media. The tech giant recently removed a documentary about Supreme Court Justice Clarence Thomas as well as a book about transgender issues written by conservative author Ryan Anderson.

This is not the first time Amazon removed right-wing content this year. In January, it shut down Parler, a popular social media app for conservatives. Republican senators claim this issue impacts the entire digital world.

Is Amazon allergic to transparency?

The book causing a stir is a former Amazon bestseller named “When Harry Became Sally,” which claims to provide “thoughtful answers to questions arising from our transgender movement.” Amazon has banned books in the past, although these were mainly full of conspiracy theories claiming the Holocaust never happened.

Although Amazon has not released any statements condemning this book, it removed “When Harry Became Sally” from its subsidiaries Kindle and Audible. Despite the lack of communication, Amazon’s actions make a clear message: This book has been deemed unacceptable. Now, Republican lawmakers want to know why.

Marco Rubio, Mike Braun, Mike Lee and Josh Hawley demand an explanation in an open letter to Jeff Bezos. The politicians declared this an assault on free speech that could impact the future of digital discourse. “By removing this book from its marketplaces and services, Amazon has unabashedly wielded its outsized market share to silence an important voice merely for the crime of violating woke group think,” they wrote.

Below is part of their statement:

Many Americans have come to rely on online retail more than ever before to meet their basic needs, particularly considering the COVID-19 pandemic. In its decision to remove Mr. Anderson’s book from its platforms, Amazon has openly signaled to conservative Americans that their views are not welcome on its platforms.

Whether you agree with Amazon’s actions or not, the lack of transparency is sparking concerns across the political spectrum. It triggers worries about Amazon’s reliability.

One author calls this a “dangerous move”

“When Harry Became Sally” is far from the only book Amazon frowns upon. For example, it recently banned advertising for “Irreversible Damage,” a transgender research book by journalist Abigail Shrier. She took to Twitter to share her thoughts on Big Tech’s censorship.

“We’re really not making a big enough deal of the fact that Amazon has begun deleting books,” Shrier wrote in a post. “This is a dangerous move — and we are all too complacent about it.”

Amazon dominates the book-selling scene, so any move makes ripples throughout the publishing community. According to research firm Codex Group LLC, Amazon sells 53% of all books and 80% of all eBooks. Its power and influence mean the decision to remove a book can tank its sales.

“When a company controls over 83% of the market for books, it begins the process of deleting ideas from a society,” Shrier said on Twitter. She voiced concerns about Amazon’s ability to control public opinion.

This line of thinking reflects a common concern for Americans. Amazon is so mighty that its fingers reach nearly every sector: finance, business, marketing and even medicine.

Question should we allow Presidents to have such power of executive orders?

Key Biden executive actions

SubjectType of actionDate
Re-engage with World Health OrganizationEnd withdrawal processJan. 20
Create position of COVID-19 response coordinatorExecutive orderJan. 20
Rejoin Paris climate agreementSign an “instrument”Jan. 20
Revoke permit for Keystone XL pipeline, pause energy leasing in ANWRExecutive orderJan. 20
Ask agencies to extend eviction/foreclosure moratoriumsRequestJan. 20
Ask Education Dept. to extend student-loan pauseRequestJan. 20
Launch an initiative to advance racial equity, end “1776 Commission”Executive orderJan. 20
Revoke order that aims to exclude undocumented immigrants from censusExecutive orderJan. 20
Preserve/fortify DACA, which helps “Dreamers”MemorandumJan. 20
Require masks/distancing on all federal property and by federal workersExecutive orderJan. 20
Reverse travel ban targeting primarily Muslim countriesExecutive orderJan. 20
Stop construction of border wallProclamationJan. 20
Combat discrimination on the basis of sexual orientation, gender identityExecutive orderJan. 20
Require ethics pledge for executive-branch personnelExecutive orderJan. 20
Modernize and improve regulatory reviewMemorandumJan. 20
End “harsh and extreme immigration enforcement”Executive orderJan. 20
Extend protection from deportation for Liberians in U.S.MemorandumJan. 20
Revoke certain executive orders concerning federal regulationExecutive orderJan. 20
Freeze any new or pending regulationsMemorandumJan. 20
Fill supply shortfalls in fight vs. COVID-19 with Defense Production Act, other measuresExecutive orderJan. 21
Increase FEMA reimbursement to states for National Guard, PPEMemorandumJan. 21
Establish “COVID-19 Pandemic Testing Board,” expand testingExecutive orderJan. 21
Bolster access to COVID-19 treatments and clinical careExecutive orderJan. 21
Improve collection/analysis of COVID-related dataExecutive orderJan. 21
Mount vaccination campaign amid goals such as 100 million shots in 100 daysDirectivesJan. 21
Provide guidance on safely reopening schoolsExecutive orderJan. 21
OSHA guidance for keeping workers safe from COVID-19Executive orderJan. 21
Require face masks at airports, other modes of transportationExecutive orderJan. 21
Establish a “COVID-19 Health Equity Task Force”Executive orderJan. 21
Support international response to COVID-19, “restore U.S. global leadership”DirectiveJan. 21
Ask agencies to boost food aid, improve delivery of stimulus checksExecutive orderJan. 22
Restore collective bargaining power for federal workersExecutive orderJan. 22
Repeal ban on transgender people serving openly in U.S. militaryExecutive orderJan. 25
Tighten ‘Buy American’ rules in government procurementExecutive orderJan. 25
Reinstate coronavirus travel restrictions on Brazil, most of EuropeProclamationJan. 25
End the Justice Department’s use of private prisonsExecutive orderJan. 26
Directs HUD to address discriminatory housing practicesMemorandumJan. 26
Combat racism against Asian-Americans, Pacific IslandersMemorandumJan. 26
Directs agencies to engage in consultations with tribal governmentsMemorandumJan. 26
Pause new oil and gas leasing on U.S. lands/waters, elevate climate change as national-security, foreign-policy priorityExecutive orderJan. 27
Re-establish President’s Council of Advisors on Science and TechnologyExecutive orderJan. 27
Directs agencies to make decisions on best available science, evidenceMemorandumJan. 27
Reopen Obamacare marketplaces, lower recent barriers to joining MedicaidExecutive orderJan. 28
Lift certain restrictions on abortion fundingMemorandumJan. 28
Keep aluminum tariffs on U.A.E., scrapping Trump administration’s exemptionProclamationFeb. 1
Begin ending “Remain in Mexico” program, “restore” U.S. asylum systemExecutive orderFeb. 2
Start roll back of “public charge rule” (which imposes a wealth test on would-be immigrants), review other recent barriers to legal immigrationExecutive orderFeb. 2
Create task force to reunite migrant families separated at the borderExecutive orderFeb. 2
Retroactively reimburse states fully for FEMA-eligible costs tied to COVIDMemorandumFeb. 2
Rebuild U.S. refugee resettlement programExecutive orderFeb. 4
Expand protection of LGBTQ people around the worldMemorandumFeb. 4
Prevent Myanmar military from accessing propertyExecutive orderFeb. 11
Reestablish the White House Office of Faith-Based and Neighborhood Partnerships to help address the needs of low-income peopleExecutive orderFeb. 14
Rescind a Trump order creating industry-led apprenticeship programsExecutive orderFeb. 17
Review supply chains for semiconductors and other ‘critical goods’Executive orderScheduled for Weds.

Before renting a car read this

It seems a car rental is no longer just a simple process of booking the car, picking it up, driving and dropping it off. Consumers need to protect themselves so that they aren’t charged for damages months down the road. Here are some tips to remember when renting a car.

– Check pricing on comparison sites, then book directly with the car rental company. Prices are usually the same and you don’t have a middle-man to deal with if there is a problem.

– Make sure that the car rental office is open during the times you will be picking up and dropping off the car. Returning the car to a closed office and leaving the keys in a lock box doesn’t allow you to be present when the car is inspected for damages.

– When picking up the car, take pictures or video of the entire car, including the license plate number. Point out every ding to a rental employee and ask to have them marked on your paperwork. Do the same when you drop it off, including a picture of the odometer at drop off and the fuel gauge. You’ll have picture proof that the car was in the same condition you picked it up in if you receive an email three months later saying your credit card is being charged for damages.

– NEVER book a non-refundable, pre-paid car rate. If your flight is delayed or canceled, you are stuck with that pre-paid car and in most cases won’t get a refund.

– Check the terms of your car rental carefully online before you book. We once needed a car to travel from our home in New York to a conference in Boston. When we arrived to pick up the car, which we booked with unlimited miles, we learned that if the car were taken out of the bordering states, the mileage wasn’t unlimited- we were given 150 free miles a day and would be charged for anything over that. Had we clicked the “See details” line, we would have seen that and booked with a different company without restrictions.

– Do not let the rental clerk rush you to sign and initial forms without reading them. You may say you don’t want insurance but there are unscrupulous rental clerks (especially in some foreign countries) who may get you to initial add ons you don’t want. Read everything you are signing or initialing so there are no surprises later.

– When you are renting a car in the U.S., check with your own car insurance company to see if it covers rental cars. If it does, bring a copy of your insurance card. It may not be necessary to purchase the expensive insurance the rental companies charge. Some credit cards offer coverage as well, but it may not include liability insurance and the rental office will often try to sell you that at their higher premiums.

– When renting a car abroad you will need to determine insurance requirements in each country. Some travel insurance companies and travel agents have policies available to cover in other countries. Some countries, such as Ireland, require you to buy their insurance when you pick up the car. Do your research so you know what your options are or you may have a large deposit held on your credit card for potential damages that may cause declinations at hotels or when shopping. Some companies will not rent at all without having proof of insurance.
– Contact the credit card company you are booking your car with and ask if they offer rental insurance. They may have requirements to cover you in the event of an accident, such as ensuring you decline insurance offered by the car rental company. Check before you leave so you’ll know your rights when you get to the counter.
– Never use a debit card when renting. As with hotels, the rental companies may put a hold on your card that may not drop off by the time you return the car. In addition, if you do not opt for insurance, many companies put a very large hold, some up to $5,000 on your card for possible damages.

– If you notice something isn’t right with the car when you begin driving, or notice there are scratches or dings on the car, turn around and go back to the desk. Once you drive off property, you will be held responsible for those issues and may be charged for damage you never made.j

– If you can pick up a car somewhere other than the airport, you’ll save money. There are many airport taxes that are added on to your rental price that aren’t applicable to off premises rentals.

– If you fill the tank before dropping it back off, get a receipt for the gas and save it. If you get a claim later on that you didn’t fill the tank, you have proof of how much gas you put in the tank.

You cannot get Parler account! Not American Value in pay right now

I have no twitter or instagram account and I am not on social media however after hearing that Big tech is banning the company I tried to get an account. So far after even using TOR I have been unsuccessful. Our country is letting these Technical companies ruin our freedom of speech! Write your congress person and let them know this is not fair to the people working at Parler and the our idea of being competitive before we lose our Freedom.

Partly false claim: Overall U.S. death count remains stable versus previous years, hinting COVID-19 not as deadly as feared

An image circulating on social media suggests COVID-19 isn’t as deadly as feared because the overall weekly death count remains relatively stable compared to previous years, despite fatalities relating to the novel coronavirus. This claim is misleading and requires context.Reuters Fact Check. REUTERS/Axel Schmidt

The image shows a chart of the “# of USA Total deaths per week” for the first 16 weeks of 2018, 2019, and 2020, a comparison of the totals for these weeks for each year, as well as the total deaths per year as a percentage of the current U.S. population  Alongside the image on one post, the user states: “Why is everything shut down again?? I thought it had something to do with a deadly disease??” 

The mortality data presented in the image on social media is likely to originate from the U.S. Centers for Disease Control and Prevention (CDC) and the National Center for Health Statistics (NCHS) ( www.cdc.gov/flu/weekly/#S2 ). Under the heading “Pneumonia and Influenza (P&I) Mortality Surveillance”, the full data set reported by the NCHS is available for download. The data set includes weekly mortality counts of pneumonia and influenza cases as well as “all deaths” reported in the U.S. per week. The overall deaths numbers presented in this Excel document match for 2018, roughly match for 2019 and 2020. This suggests it is a source for the claim; the official data is likely to have been updated since.

The Pneumonia and Influenza Mortality Surveillance portal displays a disclaimer by the NCHS which states that: “[C]ollection of complete data is not expected at the time of initial report, and reliable percentage of deaths due to P&I is not anticipated at the U.S. Department of Health and Human Services region or state level within this two week period. The data for earlier weeks are continually revised and the proportion of deaths due to P&I may increase or decrease as new and updated death certificate data are received by the NCHS.”

Since the image was posted on social media, the death count presented in the image on social media for “Week 16” in 2020, has been updated from 52,521 to 62,998, nearly a 20% increase. Current data also reflects changes to the “total” deaths reported in the chart during the first 16 weeks of 2020. According to updated figures, this number increased from 922,402 to 944,251 as of May 12, 2020.

Similar data disclaimers are also posted on the CDC page which reports deaths per week related to COVID-19 infections in the U.S. The site notes: “Death counts are delayed and may differ from other published sources (see Technical Notes). Counts will be updated periodically”.

It also says: “It is important to note that it can take several weeks for death records to be submitted to National Center for Health Statistics (NCHS), processed, coded, and tabulated. Therefore, the data shown on this page may be incomplete, and will likely not include all deaths that occurred during a given time period, especially for the more recent time periods. Death counts for earlier weeks are continually revised and may increase or decrease as new and updated death certificate data are received from the states by NCHS. COVID-19 death counts shown here may differ from other published sources, as data currently are lagged by an average of 1–2 weeks.” ( here )

Further down, a technical note beneath a chart compilation of COVID-19 deaths per week says: “Data during this period are incomplete because of the lag in time between when the death occurred and when the death certificate is completed, submitted to NCHS and processed for reporting purposes. This delay can range from 1 week to 8 weeks or more, depending on the jurisdiction, age, and cause of death.”

This means that it is not yet possible to accurately determine a comprehensive tally of coronavirus-related fatalities in the U.S. for 2020.

A recent, similar Fact Check by the Reuters team on the lag in CDC numbers tables can be seen here .

On February 29, the first coronavirus-related death was reported in the U.S. Since then, over 83,000 deaths have been confirmed across the country ( here ).

On May 12, Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, testified before the Senate on the Trump administration’s coronavirus response ( here ). At around the 1 hour 26-minute mark,  Vermont Senator Bernie Sanders asked Fauci if he believed coronavirus deaths have been undercounted in the U.S. Fauci responded:https://www.youtube.com/embed/U8Z89y8nlVQ?autoplay=0&controls=1&enablejsapi=1&modestbranding=1&rel=0

“I’m not sure, Senator Sanders, if it’s going to be 50% higher, but most of us feel that the number of deaths is likely higher than that number [provided by some epidemiologists]. Because given the situation, particularly in New York City, when they were really strapped with a very serious challenge to their healthcare system, that there may have been people who died at home who did have COVID who are not counted as COVID because they never really got to the hospital… The number is likely higher, I don’t know what percent, but it most certainly is higher.”

Recent publications by the Washington Post and New York Magazine include graphics showing how COVID-19 is increasingly becoming a leading cause of death in the U.S., visible here and here .


Partly false. Data reporting the weekly death count in the first 16 weeks of 2018 and 2019 is accurate, but data from 2020 is still under revision. It is too soon to determine how the tally of coronavirus-related deaths will affect these overall figures.

This article was produced by the Reuters Fact Check team. Read more about our work to fact-check social media posts here

Are deaths in the US slowing down?

Time to think out of the box according to the CDC on average 56000 people die each week in the United States below is the latest sample of people dying

Week ending date in which the death occurredAll Deaths involving COVID-19 (U07.1)1Deaths from All Causes
Total Deaths2138952347341

As you can see the number of people dying each week since 9/19/2020 is below average?  The last number could still be adjusted higher but people dying is below expectations and as you see on week 10/17/2020 that number is 1,768 people less dying that week then normal.  Could a lot of people that were going to die just die sooner or what do you think?

The Best Credit Cards for Car Rental Insurance Coverage [2020]

When renting a vehicle you’re faced with several decisions. Should I get that GPS, prepay for gas, or take that automatic toll-paying sensor? Should I spend a few extra dollars and get the full-size car?

The decisions are many…and the salesperson is a professional at the up sell.

One of the most expensive decisions to make is whether to opt for the rental car company’s collision/loss damage waiver coverage.  This coverage can cost as much as $30 per rental day, and you may have a difficult time opting out of it.  In the worst-case scenario, you might opt out and have something happen to your rental. You could be out thousands of dollars until you resolve the issue between the rental car company and your insurance company.  Even then, you could be left with a high deductible to pay.

However, there is some available relief to this — and you may already have access to the solution! By knowing the extent of any car rental coverage, you have on your credit cards, you can save yourself stress and a lot of money.

While the collision damage waiver (CDW) (or loss damage waiver/LDW, as it is sometimes called) is not technically insurance, it functions similarly. And it can also be just as confusing!

In this article we’ll cover:

  • What is collision damage waiver coverage
  • Which credit cards offer the best protection
  • What you need to know to file a claim

Let us get started with our overview of credit card rental car coverage and look at some of the best credit cards to use when renting a vehicle.

What Is the Car Rental Collision Damage Waiver?

The Car Rental Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is coverage that reimburses you for damage to your rental car or theft of the car while the vehicle is in your custody.  It can also cover “loss of use” of the rental car, which car rental agencies can charge you if the vehicle is damaged or stolen. (Since the vehicle would not be available to rent out, the agency could be losing revenue and pass this loss on to you.)

Car rental companies require you to purchase CDW/LDW coverage before you take possession of the rental car unlessyou have the coverage elsewhere.  And sometimes they want to see it, or they make you take their insurance.

Primary vs. Secondary Coverage

While many credit cards offer CDW coverage, there can be a significant difference in how the coverage functions.

  • Secondary CDW Coverage: If your credit card offers secondary CDW coverage, you will need to first file a claim with any other available insurance before the secondary coverage kicks in.  This means your car insurance carrier
  • Primary CDW CoverageProvides coverage without the need to file a claim with other insurance. If an incident happens, the primary coverage applies.

Hot Tip: Note that coverage on the same credit card can be secondary in certain countries and circumstances while primary in others. Check with your card’s benefits administrator for specific questions.

Requirements to Ensure Coverage

For the CDW coverage that is offered on credit cards to be valid, most credit card coverage requires the following:

  • Reserve and pay for your rental car with the qualifying credit card
  • Decline the rental car company’s CDW/LDW coverage
  • List all drivers on the rental agreement

Make sure you know the requirements before you rent a vehicle and call the benefits administrator if you have questions.  You can even ask for a letter showing your CDW coverage to show when renting a vehicle.

Bottom Line: Your credit card guide to benefits will be awfully specific in explaining the definition of the card’s particular CDW coverage. It will also provide clear information on where and when coverage is secondary or primary. 

I use Personal Amex Gold credit card for car rental insurance coverage.   The cost is $250.00 a year and to get the insurance you must call American Express and ask to be put on their rental program.  The fee for Florida is $15.00 per rental up to 40 days. For Texas, the fee is $25.00 per rental for 40 days. (check this if renting for more than 30 days with American Express as it can change.

American Express Car Rental Coverage

American Express is unique in its offering of CDW coverage on its credit cards. The card issuer offers both complimentary secondary CDW that comes with their credit cards, and primary Premium Car Rental Protection that can be purchased.

  • Standard complimentary secondary CDW coverage included with its credit cards
  • The option to enroll your credit card in advance for primary Premium Car Rental Protection that is automatically applied when you use the card to rent a vehicle

American Express Complimentary Secondary CDW Coverage

Complimentary CDW is included on most American Express credit cards. But for the complimentary CDW coverage to be effective, the following must be done:

  • Reserve and pay for the entire car rental with the qualifying American Express card
  • Decline the car rental company’s CDW/LDW coverage

To find out if your American Express credit card has complimentary CDW coverage, review your benefits and find out I do not recommend any complimentary insurance.

What’s Covered

  • Damage or theft of a rental vehicle up to a maximum of $50,000
  • Loss of use, appraisal fees, towing
  • Rentals of 30 days or less

Who’s Covered

Drivers covered for CDW under the complimentary coverage on your credit card include:

  • Primary cardholders and additional drivers listed on the rental agreement
  • Authorized users and additional drivers listed on the rental agreement

For CDW coverage to apply, the car rental must be reserved and paid for with the American Express card.


  • Cars rented in Australia, Italy, New Zealand, or any OFAC listed country (due to economic or trade sanctions)

American Express Optional Primary Premium Car Rental Protection

To purchase Premium Car Rental Protection, you will need to enroll your American Express credit card in advance of your car rental. Once you use your card to reserve and pay for the car rental after enrollment, the coverage is charged to your card and becomes effective for that rental term.

This coverage is primary when purchased, meaning you do not need to submit a claim with another insurance company first. There are 2 levels of Premium Car Rental Protection available, and they range in price from $12.25 to $24.95 depending on the state you reside in and the limits of coverage you select.

The price you pay is for the entire rental period (up to 40 days), not a per day charge!

What’s Covered

  • Damage or theft of your rental car for up to $100,000
  • Secondary medical coverage and accidental death benefit for driver/passengers
  • Personal property coverage

Who’s Covered

  • The primary cardholder and drivers listed on the rental agreement
  • Authorized users and accompanying drivers listed on the rental agreement

What’s Not Covered

To access the terms/conditions of the basic CDW coverage that comes with your American Express credit card, view the guide to benefits for all 58 cards here. To register your American Express card for Premium Car Rental Protection, visit the registration page.

Hot Tip: If you are renting a vehicle for more than 30 days, the Premium Car Rental Protection for purchase with your American Express credit card is a great value. You receive primary CDW coverage for pennies per rental day and are covered for up to 40 days. 

American Express offers both complimentary CDW coverage with their credit cards and premium coverage you can purchase. Image Credit: American Express

Best Personal Chase Credit Cards for Car Rental Insurance Coverage

Chase excels in offering car rental coverage by providing worldwide primary CDW coverage complimentary with its credit cards.

Receive complimentary Hertz elite status with the United MileagePlus® Club Card. Image Credit: Hertz

1. Chase Sapphire Preferred® Card

What’s Covered

The Chase Sapphire Preferred and any Chase credit cards offering CDW coverage come with primary coverage. This means you will not have to worry about filing a claim with your auto insurance company if something should happen to the rental vehicle.

You can expect the following coverage worldwide with your Chase credit card:

  • Reimbursement for damage or theft of the rental car up to the actual cash value of the vehicle
  • Valid loss of use charges assessed by the rental car company
  • Reasonable towing charges
  • Rentals are covered for 31 days or less

Who’s Covered

  • Primary cardholders and authorized users
  • Additional drivers listed on the rental agreement

Hot Tip: There is no charge for adding an authorized user to the Chase Sapphire Preferred, and they receive the same primary CDW coverage when renting a vehicle with their card! Keep in mind that authorized users driving a vehicle rented by the primary cardholder do need to be listed as a driver to be covered. Read more about maximizing car rental insurance benefits with the Chase Sapphire Preferred.

What’s Excluded

  • Certain luxury, antique, and exotic vehicles
  • Cargo vans, motorcycles, recreational vehicles
  • Certain countries may be excluded where prohibited by law
  • Liability coverage

2. Chase Sapphire Reserve®

The Chase Sapphire Reserve comes with the same worldwide primary CDW coverage as the Chase Sapphire Preferred, but with a maximum of $75,000 coverage for the rental vehicle.

The most compelling reason to use the Chase Sapphire Reserve for your rental car is that you can pay for the rental with Ultimate Rewards Points and receive 50% more value for your points!

With this card, you also receive elite status with National Car Rental and Avis, plus a 30% discount on Silvercar rentals.

Bottom Line: Chase credit cards are a great choice to use when renting a car because they offer complimentary worldwide primary CDW rental car coverage for rentals of 31 days or less. 

General Tips for Filing a CDW Coverage Claim

The first step when your rental car is in an accident or stolen is to call the benefits administrator.

You’ll be asked some questions and sent a claim form to complete.

Be aware that when submitting a CDW claim, you will have deadlines to meet, documentation to gather, and a responsibility to follow up.

Hot Tip: Since most claims will be processed on a reimbursement basis, you will likely have plenty of incentive to get your claim processed quickly!

Know the Deadlines

There will be specific deadlines at each step of the process, which you should familiarize yourself with. Here are a few to look out for:

  • Reporting the claim
  • Submitting the completed claim form
  • Submitting all required documents

Gather All Relevant Information

Don’t forget to gather information when the accident/theft happens — some items may be difficult to obtain later. Here’s what you might need:

  • Copy of the entire rental agreement
  • Copy of the accident report from the car rental company showing the amount you owe
  • Police report
  • Photos of the damage

Follow up With Additional Needed Documents

If the claim administrator asks for anything else, make sure to provide it right away. For example, they might request:

  • Copy of your credit card statement showing that the rental was paid for with your qualifying credit card
  • Repair estimates

Ask for Assistance

If you have trouble getting the required documents, ask the claim administrator for help.

Final Follow Up

It is your responsibility to make sure all of the required documentation is received by the claim administrator on time and is completed to their satisfaction.

Generally, if you have primary CDW coverage or secondary CDW coverage with no current auto insurance, the claim process will be straightforward.

But if you have secondary CDW coverage that applies to the rental car incident and you have auto insurance as well, you will need to report the claim to that company first.

Hot Tip: Be aware in advance of what you will need to do in case of a rental car incident, so you’ll be prepared to gather as much documentation as possible when the incident happens. Photos, police reports, and documentation from the rental car company can be impossible or difficult to obtain later.

Final Thoughts

If you have your own car insurance, the best CDW coverage for domestic car rentals is primary credit card CDW coverage.

This is because it is best to avoid filing a claim with your own insurance company, which could mean potentially having to pay a high deductible and having your rates increased.

Generally, those who carry auto insurance can get by with secondary CDW coverage when renting a car out of the country — chances are your U.S. policy will not cover you there.

The secondary CDW coverage on your credit card would then become primary.

If you do not carry auto insurance, you can get by with secondary CDW coverage, since it will act as your primary insurance in nearly all rental car situations (foreign or domestic).

You may, however, be responsible for a deductible on the car rental company’s coverage.  Call your benefits administrator for clarification of coverage before renting any vehicle.

In all cases, you should purchase liability insurance from the rental car company or be sure it is included in your rental agreement, as it is not included in CDW coverage that comes with your credit card.

If you frequently rent a car, you can save time, frustration, and money knowing the type of coverage you have with your credit cards!

Frequently asked questions

Which is the best credit card to use for car rentals?

Having a credit card such as those issued by Chase that offer primary CDW insurance is ideal.

However, if you are renting a vehicle for more than 30 days, purchasing Premium Car Rental Insurance as a cardholder of an American Express card can be a wise choice.

The Premium Car Rental Protection covers you for pennies per day and can be valid for up to 42 days.

What does primary and secondary coverage mean?

Primary CDW coverage covers you without having to file a claim with another insurance company first.

Secondary CDW coverage requires that you file a claim with your own auto insurance company (or other insurance company that applies) and exhaust any coverage there before the secondary coverage kicks in.

CDW coverage that comes with your credit card is frequently secondary, but some credit cards (such as those issued by Chase) offer primary coverage.

Additionally, some business credit cards offer secondary coverage for personal car rentals in the U.S. but primary coverage internationally.

Which credit card has the best car rental coverage if I do not have auto insurance?

If you do not have current auto insurance, ideally you should secure a credit card that provides primary car rental coverage.

With this said, many credit cards with secondary CDW coverage allow the coverage to become primary when you do not have current auto insurance.

However, when renting a vehicle, if you want to decline the rental company’s CDW/LDW coverage, you may have to show proof that you have other coverage.

You will want to contact the benefits administrator in advance to confirm that you would indeed be covered and that the coverage would default to primary.

Can I pay for the car rental with points and still have rental car coverage?

Yes. If you use points to pay for all or part of your car rental, use your qualifying credit card to pay the remainder, and then present your card at the rental car agency, you will be covered.

Keep in mind that you need to use points from the qualifying credit card to reserve and/or pay for the car rental.