I have a chase sapphire reserve, I rented a car but made the rental with points earned through the card. I got in a collision and now thinking that because I paid with points I won't get the insurance

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You used the card. Use the instance. Calm down.

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Chase provides coverage provided you have a month rental ..not sure if the rules changed with CSR.. if the collision happens have claim not filed by car company within 45 days it gets nullified...it happened to me once and insurance company called after 45 days of collision and tried to see if I can pay up and the. They themselves said it's 45 days and any claim is not valid after 45 days..and they never called me for any payment., assuming they still have my number it's been 6 yrs now.. 😀

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Can they deny coverage because I paid for the rental using points even though I provided the card for the rental

Interested to hear how this goes

Generally, credit card rental car insurance only applies when you fully pay for the rental on the card, not just taxes or fuel charges when using car rental points such as Hertz points. This is different but you probably need to check if there is a specific exclusion in the credit card agreement for the insurance if using CSR points. I don’t have the card so I don’t know, but if so you’ll fall back on your personal auto insurance.

You always wanna pay with points+cash. For example, $3 of cash and rest with points. I think you'll be okay , but something to keep in mind

Especially comes in handy when you book a flight.

@D1 why? 🤔

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