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If I recall, CSR can act as primary insurance if you don’t have auto insurance, but if you do, then it may act as secondary insurance. But then it depends whether your primary insurance covers you in that foreign country or not. If it doesn’t, CSR should still cover. But I’m sure they would rather have the auto insurance cover it if possible, so your friend might have to show that he tried them first before CSR will pay.
CSR will offer full coverage for your vehicle but not vehicles you hit. I quickly googled for you an article to read:
https://millionmilesecrets.com/guides/chase-sapphire-reserve-rental-car-insurance/
Thanks, that’s helpful
I think you’re getting the wrong answer from severals here. Your rental car is covered but damage to other cars, property and people is NOT covered. Primary insurance is not liability insurance and you would be on the hook coveting the damage to the other car -
https://www.businessinsider.com/credit-cards-with-primary-car-rental-insurance-2018-9
Thanks so much - this is correct and incredibly helpful. I really appreciate it
insurance. Auto insurance is confused - I thought they would cover, not CSR, but honestly I have no idea what’s correct. It’s a personal trip. If anyone has experience/advice that would be much appreciated.
https://www.chase.com/content/chasecom/en/card-benefits/benefit-details/Sapphire/sapphire-damage-waiver-primary-consumer.html
Outside your home country then the CSR should cover the cost. Inside your home country, it would serve as a secondary insurance once other sources are tapped.
Rules vary by country, so you need to investigate
One thing I remember checking recently is the country coverage of CSR, and thankfully the answer there is simple - all countries are covered. But that may not be the case for your primary insurance.
OW1, that's actually incorrect. Most are covered but there are a few specific countries that are excluded
You’re thinking of Amex, who does (or did) have some country exclusions. CSR doesn’t list any, so I called them up and asked point blank and they said they have no country exclusions.