Car Rental Loss and Damage Insurance Plan Documents

Car Rental Loss and Damage Insurance

Plan Documents

Contents Page #s

All States Except Below, District of Columbia,

Puerto Rico, & U.S. Virgin Islands.............................................................................. 2 - 23

Arizona & Texas ..........................................................................................................24 - 34

Guam & Northern Mariana Islands .............................................................................35 - 38

Indiana .........................................................................................................................39 - 47

Oregon.........................................................................................................................48 – 55

To file a claim electronically for a qualifying event please visit us at www.americanexpress.com/onlineclaim.

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

CRLDI-DOC 09/17 1 Tier 1

CAR RENTAL LOSS AND DAMAGE INSURANCE

DESCRIPTION OF COVERAGE

Underwritten by AMEX Assurance Company

Administrative Office, 20022 N. 31

Ave. MC: 08-01-20 Phoenix AZ 85027

Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to or

Theft of most Rental Vehicles when the Card Member uses the Card to pay for the Entire Rental from any Rental

Company. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance.

Coverage is worldwide except for vehicles rented in Australia, Italy, New Zealand and any country on the Office of

Foreign Assets Control (“OFAC”) sanctioned country list. Coverage will be voided if a Rental Vehicle is rented in

any country on the OFAC sanctioned country list.

This Plan does not provide insurance for personal liability, uninsured/underinsured motorists, personal injury

protection, worker's compensation injuries, disability benefits of any kind, any coverage mandated by government

or any other form of insurance coverage except as specifically described in this Description of Coverage.

INDEX

Definitions Section I

Eligibility and Coverage Activation Section II

Description of Benefits Section III

Exclusions Section IV

Claims Process Section V

General Provisions Section VI

Termination or Cancellation Section VII

Important Additional Information for You Section VIII

I. DEFINITIONS

Certain words used in this Description of Coverage are capitalized throughout and have special meanings.

Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context

requires.

Accident means a motor vehicle incident that results in Damage to the Rental Vehicle.

Account means Your American Express® Card on which the record of the charge for the Entire Rental is made.

Additional Card Member means a person who has received an American Express Card at the request of a Basic

Card Member for use in connection with the Basic Card Member’s Account.

Authorized Driver means a person listed on the Rental Agreement between the Card Member and the Rental

Company, at the time the Card Member takes possession of the Rental Vehicle, who is permitted to operate the

Rental Vehicle according to the terms of the Rental Agreement.

Basic Card Member means a person who has been issued a United States of America based proprietary American

Express Card and who has an Account.

Card Member means a person who has been issued a United States of America based proprietary American

Express Card, and who has a Permanent Residence in the 50 United States of America, the District of Columbia,

Puerto Rico or the U.S. Virgin Islands. Card Member must rent the Rental Vehicle, sign the Rental Agreement with

the Rental Company and take possession of, or permit an Authorized Driver to take possession of, the Rental

Vehicle.

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CRLDI-DOC 09/17 1 Tier 1

Common Carrier means an air, land or water vehicle (other than a personal or rental vehicle) licensed to carry

passengers for hire and available to the public.

Common Carrier Frequent Flyer Miles means an award of air transportation, regardless of whether the award is

referenced as frequent flyer miles, voucher, trip pass, coupon, or other awards, provided to a Card Member or for

which a Card Member may benefit that may be used to pay, in full or in part, or otherwise defray or reduce the costs

of Rental Vehicle.

Company means AMEX Assurance Company.

Damage means the effect of any contact with or treatment of the Rental Vehicle which requires repair in order to

restore the Rental Vehicle to its pre-rental condition.

Entire Rental means the full rental cost for a Rental Vehicle, less any applicable Rental Company discount/coupon

applied to the rental rate, charged to an eligible American Express Card and/or combined with American Express

Membership Reward Points or American Express Pay with Points programs. Entire Rental does not include fees

on a Rental Vehicle defrayed in full or in part with loyalty points from the Rental Companies or Common Carrier

Frequent Flyer Miles.

Loss of Use means the unavailability of a Rental Vehicle due to Damage or Theft and consequent loss of revenue

by the Rental Company.

Master Policyholder means American Express Travel Related Services Company, Inc.

Membership Rewards® Points means credits obtained through the Membership Rewards program available with

most American Express Cards, which are earned when making certain purchases with such cards. In some cases,

participating Card Members receive a redemption certificate in order to use their Membership Rewards points.

Pay with Points is a process that may be available to an individual who accrues American Express Membership

Rewards Points and then uses the Membership Rewards Points to pay for travel by converting them to statement

credits to off-set some or all of the expense of that travel reflected on the individual’s Account statement.

Permanent Residence means the one primary dwelling place where the Card Member resides and to which they

intend to return, and, if necessary, can be evidenced by a current and active official form of identification. Examples

include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card.

Plan means the Policy and the benefits described therein.

Policy means the Group Insurance Master Policy (AX0925) issued by the Company to American Express Travel

Related Services Company, Inc.

Rental Agreement means the contract that the Card Member signs and receives when renting a Rental Vehicle

from a Rental Company which describes in full the terms and conditions of the contractual relationship.

Rental Company means a commercial car rental agency that is licensed under the laws of the applicable jurisdiction

and whose primary business is renting private passenger automobiles. A Rental Company does not include a

moving van rental company or any business which may incidentally rent an automobile to a customer, such as an

auto dealership or auto body repair shop or vehicle sharing service arrangements which allow independent owners

to rent personal vehicles.

Rental Period means the period of time during which You rent a Rental Vehicle pursuant to a Rental Agreement.

Rental Vehicle means a four-wheeled, two-axle passenger type motor vehicle, designed for and sold to

accommodate private passenger transport on public roads, rented to the Card Member by the Rental Company,

and intended to be operated by the Card Member or other Authorized Driver by means of a Rental Agreement with

the Rental Company.

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CRLDI-DOC 09/17 2 Tier 1

Secured means locked in the trunk of the Rental Vehicle or locked in the seating compartment of the Rental Vehicle

with all windows fully closed and all Card Members, Authorized Drivers and Passengers are absent from the vicinity

of the Rental Vehicle.

Theft means the taking and driving of the Rental Vehicle by a person other than the Card Member or an Authorized

Driver without the permission of the Card Member or the Authorized Driver.

We, Us, and Our means the Company.

Wholesale Book Value means wholesale or trade-in book value of the rental vehicle based on the National

Automobile Dealers Association website at www.nada.com or similar source.

You and Your means the Card Member.

II. ELIGIBILITY AND COVERAGE ACTIVATION

Who is Eligible to Receive Benefits

You are eligible to receive benefits in accordance with this Description of Coverage if:

1. You are a Basic Card Member or Additional Card Member;

2. You were the person who signed the Rental Agreement;

3. You maintain your Permanent Residence within the 50 United States of America, the District of

Columbia, Puerto Rico or the U.S. Virgin Islands; and

4. You have fully activated coverage.

How to Activate Coverage

Coverage for Theft of or Damage to an eligible Rental Vehicle is activated when:

1. You decline the full collision damage waiver (CDW) or similar option, or pay for a partial collision damage

waiver, offered by the Rental Company;

2. You or the Authorized Driver is named on the Rental Agreement as the person renting and take control

and possession of the Rental Vehicle; and

3. You use Your Account, American Express Membership Reward Points and/or American Express Pay

with Points to hold or place a deposit at the time the rental is checked out and to pay for the Entire Rental

from the Rental Company. Coverage will not be activated if You pay for any portion of the Rental Vehicle

by some other means.

III. DESCRIPTION OF BENEFITS

What is Covered

If Damage to or Theft of a Rental Vehicle occurs while coverage is in effect, the Plan will pay a benefit up to

a maximum of $50,000 per Rental Agreement for:

1. The lesser of:

a. the actual cost to repair the Rental Vehicle;

b. the Wholesale Book Value of the Rental Vehicle, minus salvage and depreciation costs; or

c. the purchase invoice price of the Rental Vehicle, minus salvage and depreciation costs.

2. Reasonable and necessary charges related to the Rental Vehicle subsequent to the Damage or Theft,

such as Loss of Use, appraisal fees provided they are supported with verifiable documentation, towing

charges (which are not covered by other roadside assistance programs available to the Card Member)

and storage, which are charged by the nearest vendor or facility capable of rendering assistance and

which are usual and customary in the locale where the Damage or Theft occurred.

Only a Card Member has a legal and equitable right to this insurance benefit available under the Plan.

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CRLDI-DOC 09/17 3 Tier 1

Length of Coverage

This Plan covers eligible Rental Vehicles for the first 30 consecutive days.

In no event shall coverage be provided for a Rental Vehicle beyond 30 consecutive days from the same

Rental Company, regardless of whether the original Rental Agreement is extended, or a new written Rental

Agreement is entered into, or a different vehicle is rented.

IV. EXCLUSIONS

General Exclusions

This Plan does not cover losses for which coverage sought was directly or indirectly, wholly or partially

contributed to or caused by:

1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,

protest or insurrections, service in the armed forces or units auxiliary to it;

2. operation of the Rental Vehicle in violation of the terms and conditions of the Rental Agreement

(including but not limited to losses occurring when: a person other than an Authorized Driver was in

possession or control of the vehicle; or driving the vehicle outside of the authorized rental territory);

3. costs attributed to the Rental Company's normal course of doing business;

4. illegal activity by the Authorized Driver of the Rental Vehicle;

5. alcohol intoxication on the part of the Authorized Driver of the Rental Vehicle, as defined in the state

where the Accident occurred;

6. an Authorized Driver voluntarily taking any drug or acting under the influence or effect of that drug

(unless taken as prescribed or administered by a Doctor);

7. off-road operation by the Authorized Driver of the Rental Vehicle;

8. injury of anyone or anything other than the Rental Vehicle; and

9. personal liability, uninsured/underinsured motorists, personal injury protection, worker's compensation

injuries, disability benefits of any kind, any coverage mandated by government or any other form of

insurance coverage except as specifically described in this Description of Coverage.

Vehicles Not Covered

This Plan does not cover rentals of:

1. cargo vans, custom vans, vans with a seating capacity over 8 passengers, cube van or box truck, or any

truck that has a gross vehicle weight rating of 10,000 lbs or more;

2. Rental Vehicles which have been customized or modified from the manufacturer's factory specifications

except for driver's assistance equipment for the physically challenged;

3. any Rental Vehicles used by an Authorized Driver for commercial or hire purposes;

4. leased or mini-leased vehicles;

5. antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more

years;

6. limousines;

7. off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers

and any other vehicle which is not a Rental Vehicle; and

8. Rental Vehicles rented in Australia, Italy, New Zealand and any country on the OFAC sanctioned country

list.

Losses Not Covered

This Plan does not cover losses caused by or contributed to by, directly or indirectly, wholly or partially:

1. intentional Damage by an Authorized Driver of the Rental Vehicle;

2. Damage that occurred prior to the Rental Period;

3. manufacturing defects in the Rental Vehicle;

4. confiscation by authority;

5. wear and tear, including gradual deterioration;

6. Damage which is due and confined to freezing, mechanical or electrical breakdown or failure unless

such Damage results from a Theft covered by the Plan;

7. Theft or Damage to Rental Vehicles that are unlocked or not Secured at the time of Theft or Damage;

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CRLDI-DOC 09/17 4 Tier 1

8. Theft of or Damage to tires (flats or blowouts), unless Damaged by fire, malicious mischief, vandalism,

or stolen, unless the loss is coincident with and from the same cause as other loss covered by the Plan;

9. Damage to any vehicle other than the Rental Vehicle; and

10. Damage to any property other than the Rental Vehicle, owner’s property, or items not permanently

attached to the Rental Vehicle.

This Plan does not cover, and benefits will not be paid for:

1. sales tax related to repair of damages, unless reimbursement of such sales tax is required by law;

2. value added tax or similar tax, unless reimbursement of such tax is required by law;

3. roadside assistance fees;

4. expenses assumed, waived or paid for by the Rental Company or its insurer;

5. expenses covered by the Card Member's personal vehicle insurer, employer or employer's insurer,

Authorized Driver's insurer, or other insurance;

6. diminishment of value; and

7. depreciation, unless reimbursement for depreciation is required by law.

V. CLAIMS PROCESS

If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both

Notice of Claim and Proof of Loss.

Notifying Law Enforcement Agency

Notification of Damage, including vandalism, Theft, or an Accident must be reported to the appropriate law

enforcement agency as soon as reasonably possible. This requirement applies regardless of whether the

Rental Vehicle is involved with other vehicles. Failure to notify may result in denial of benefits.

Notice of Claim

Notice of Claim should be provided to Us within thirty (30) days of the loss. You or the Authorized Driver

may contact the Company by calling toll-free stateside 1-800-338-1670 or, if from overseas, by calling collect

1-216-617-2500. You or the Authorized Driver may also write to Us at Car Rental Loss and Damage

Insurance Claims Unit, PO Box 94729, Cleveland, Ohio 44101-4729.

Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit

payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as

reasonably possible. At the time You or the Authorized Driver provides Us with Notice of Claim, We will

assist with completion of the Proof of Loss by providing instructions and/or documents, which You or the

Authorized Driver may have to complete and return to Us. You or the Authorized Driver are required to

cooperate with Us and provide documentation as requested by Us which is required and necessary to

process the claim, determine if benefits are payable and collect amounts recoverable from others. No claim

will be denied based upon Your or the Authorized Driver’s failure to provide notice within such specified time,

unless this failure operates to prejudice Our rights.

Proof of Loss

If required, a claim form will be sent to You or the Authorized Driver after We receive notice of loss. Written

proof of loss, which includes the signed claim form and all other requested documentation, must be received

within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your

Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Car Rental Loss and

Damage Insurance Claims Unit, PO Box, 94729, Cleveland, Ohio 44101-4729. If the required proof of loss

and other documentation is not received within sixty (60) days of the date of loss (except for documentation

which has not been furnished for reasons beyond Your or the Authorized Driver’s control), coverage may be

denied. It is the claimant’s responsibility to provide all required documentation.

Required documentation may consist of, but is not limited to:

1. an itemized repair bill;

2. a copy of charge slip for the rental of the Rental Vehicle, Rental Agreement or machine generated receipt

to show rental was charged and paid for with an American Express Card;

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CRLDI-DOC 09/17 5 Tier 1

3. a police report (if applicable);

4. photos of the Damaged Rental Vehicle, if available;

5. a copy of the Card Member's, Authorized Driver's or employer's auto insurance coverage, or a notarized

letter stating no insurance;

6. a copy of all claim documents and correspondence, provided by the Rental Company;

7. a copy of the Rental Company's utilization log or other verifiable documentation acceptable to Us;

8. a copy of the driver's license of the Card Member and/or Authorized Driver, unless the driver's license

number shows on the Rental Agreement;

9. a copy of the written Rental Agreement, front and back, which documents when the Rental Vehicle was

checked out and checked in;

10. information pertaining to other available insurance coverage(s); and

11. any other information reasonably required to process the claim including Our rights to recover from

others.

Your or the Authorized Driver’s cooperation with issues related to their benefits is required.

Payment of Claims

A claim for benefits provided by this Plan will be paid within ninety (90) days after Our receipt of satisfactory

Proof of Loss documentation and determination that a claim is payable according to the terms of the Plan.

Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge

Us to the extent of such payment.

VI. GENERAL PROVISIONS

Change of Permanent Residence

You must notify Us as soon as possible if You change Your Permanent Residence. If the change is to a

different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will

send any and all notices or Plan related materials to Your last known address on file. If You fail to notify Us

of a change in Your Permanent Residence, You may not receive all notices and Plan related materials.

Clerical Error

A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue

insurance not validly in force.

Conformity with State and Federal Law

If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby

amended to comply with such law.

Entire Contract; Representation; Change

This Description of Coverage, the Policy, the declarations page and any applications, endorsements or riders

make up the entire contract. Any statement You or the Authorized Driver make is a representation and not

a warranty. This Description of Coverage may be changed at any time by written agreement between the

Master Policyholder and the Company. Changes shall take effect as of the date a replacement Description

of Coverage, if any, is issued or the date otherwise agreed upon by the Master Policyholder and the

Company. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined

at any reasonable time upon reasonable notice.

Fraud

If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means

or devices are used by You or the Authorized Driver or by anyone acting on Your or their behalf to obtain

benefits, all benefits will be forfeited.

No coverage is provided if You or the Authorized Driver, whether before or after a loss, have:

1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is

material and is made with the intent to deceive; or

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CRLDI-DOC 09/17 6 Tier 1

2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your

residency state’s Department of Insurance.

Legal Actions

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been

received by Us. No such action may be brought after three (3) years from the time written Proof of Loss is

required to be given.

Right of Recovery

If We make a payment to You under this Plan and You recover an amount from another, equal to or less

than Our payment, You shall hold in trust for Us any proceeds of the recovery and reimburse Us to the extent

of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We

have the right to recover from You any amount exceeding the maximum amount payable.

Secondary Coverage

This Plan is secondary to all other valid and collectible insurance or other sources of indemnity and shall

apply only when such other benefits are exhausted. We will pay only that portion of the loss benefit which is

not reimbursed by other collectible insurance or other sources of indemnity, up to Our limits, as provided

under the Description of Benefits section.

When a Card Member has Coverage under similar products underwritten by AMEX Assurance

Company

A Card Member may be covered for similar benefits under different products underwritten by AMEX

Assurance Company. If the products state that the similar benefits are either primary or that the benefits are

excess, the product with the lower level of benefits will pay first and the other product(s) will provide excess

coverage.

Subrogation

In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all

Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure

and preserve such rights, including the execution of such documents necessary to enable Us to effectively

bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such

subrogation rights.

We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated

for damages by another party.

VII. TERMINATION OR CANCELLATION

Coverage will terminate automatically on the earliest of the following:

1. when the Rental Company resumes control of the Rental Vehicle, or 30 consecutive days after the

Rental Vehicle was checked out by You or another Authorized Driver, whichever is earlier;

2. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District

of Columbia, Puerto Rico or the U.S. Virgin Islands;

3. the date We notify You of our determination that Your enrollment or claims information contains a

misrepresentation or fraudulent statement or fails to disclose material information;

4. the date You terminate Your Account and are no longer a Card Member;

5. the date Your Account is cancelled by American Express; or

6. the date the Plan is not available in the location where You maintain a Permanent Residence.

The Company has the right to cancel this Description of Coverage or any endorsement or rider at any time

by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice

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CRLDI-DOC 09/17 7 Tier 1

will include the reason for cancellation. You will be eligible to receive benefits if You fully activated coverage

in accordance with this Description of Coverage prior to the effective date of the Company’s cancellation.

Termination or cancellation of coverage will not prejudice any claim submitted prior to termination or

cancellation subject to all other terms of the Policy.

VIII. IMPORTANT ADDITIONAL INFORMATION FOR YOU

The benefits described herein are subject to all of the terms, conditions, and exclusions of the Policy. This

Description of Coverage replaces any prior Description of Coverage which may have been furnished in

connection with the Policy. For any questions regarding the benefits described in this Description of

Coverage, please call 1-800-338-1670 or International Collect 1-216-617-2500, the number listed on the

back of Your card, or the number shown on Your card statement.

This Description of Coverage is an important document. Please read it and keep it in a safe place.

IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

Troy E. Glover Mark W. Musser

President Secretary

AMEX Assurance Company AMEX Assurance Company

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Tier 1

AMENDATORY ENDORSEMENTS

To be attached to and made a part of the Description of Coverage/Policy.

THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE

READ IT

CAREFULLY.

Applicable to Residents of Alabama

1. The Legal Actions provision is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss

documentation has been received by Us. No such action may be brought after six (6) years from the time

written Proof of Loss is required to be given.

CRLDI-END1-AL 09/17

Applicable to Residents of Alaska

1. The opening paragraph to General Exclusions and Losses Not Covered sections are replaced by the

following:

The Plan does not cover losses for which coverage is sought was directly or wholly caused by:

2. The Payment of Claims provision is replaced by the following:

A claim for benefits provided by this Plan will be paid within thirty (30) days after Our receipt of satisfactory

Proof of Loss documentation and determination that a claim is payable according to the terms of the Plan.

Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge

Us to the extent of such payment.

3. The Legal Actions provision is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought after three (3) years from the time a claim has been

denied.

CRLDI-END1-AK 09/17

Applicable to Residents of Arkansas

1. The Legal Actions provision is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought after five (5) years from the time written Proof of Loss

is required to be given.

2. The Right of Recovery provision is replaced by the following:

If We make a payment to You under this Plan and You recover an amount from another, equal to or less

than Our payment, You shall hold in trust for Us any proceeds of the recovery and reimburse Us to the

extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this

Plan, We have the right to recover from You any amount exceeding the maximum amount payable, only

after You have been fully compensated for the loss sustained.

CRLDI-END1-AR 09/17

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

Tier 1

Applicable to Residents of Connecticut

1. General Exclusion number six (# 6) is deleted in its entirety and replaced by the following:

6. Any loss caused by the voluntary use of any controlled substance as defined in the Title II of the

Comprehensive Drug Abuse Prevention and Control Act of 1970, as now of hereafter amended, unless

as prescribed by his physician for the insured;

2. The Subrogation provision is replaced by the following:

In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all

Your right of recovery. As permitted by law, You shall execute all papers required and shall do everything

necessary to secure and preserve such rights, including the execution of such documents necessary to

enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing

to prejudice such subrogation rights.

CRLDI-END1-CT 09/17

Applicable to Residents of Georgia

1. The second part to Losses not Covered section is replacing number six (# 6) with the following:

6. diminishment of value, unless reimbursement is required by law; and

CRLDI-END1-GA 09/17

Applicable to Residents of Kansas

1. Index Section VII is replaced by the following:

Cancellation Section VII

2. The following is added to the end of Eligibility and Coverage Activation section:

When Coverage is No Longer Activated

Coverage for Theft of or Damage to an eligible Rental Vehicle will become inactive:

1. When the Rental Company resumes control of the Rental Vehicle, or 30 consecutive days after the

Rental Vehicle was checked out by You or another Authorized Driver, whichever is earlier;

2. The date You no longer maintain a Permanent Residence in the 50 United States of America, the

District of Columbia, Puerto Rico or the U.S. Virgin Islands;

3. The date We notify You of our determination that Your enrollment or claims information contains a

misrepresentation or fraudulent statement or fails to disclose material information;

4. The date You terminate Your Account and are no longer a Card Member;

5. The date Your Account is cancelled by American Express; or

6. The date the Plan is not available in the location where You maintain a Permanent Residence.

3. The Payment of Claims section is replaced by the following:

A claim for benefits provided by this Plan will be paid within thirty (30) days after Our receipt of satisfactory

Proof of Loss documentation and determination that a claim is payable according to the terms of the Plan.

Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge

Us to the extent of such payment.

4. The Fraud section is replaced by the following:

If any request for benefits made under the Plan is determined to be a fraudulent insurance act, or if any

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

Tier 1

fraudulent means or devices are used by You or the Authorized Driver or by anyone acting on Your or

their behalf to obtain benefits, all benefits will be forfeited.

A "fraudulent insurance act" is an act committed by any person who, knowingly and with intent to defraud,

presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an

insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile,

magnetic, oral, or telephonic communication or statement as part of, or in support of, a claim for payment

or other benefit pursuant to an insurance policy for commercial or personal insurance which such person

knows to contain materially false information concerning any fact material thereto; or conceals, for the

purpose of misleading, information concerning any fact material thereto

No coverage is provided if You or the Authorized Driver, whether before or after a loss, have:

1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation

is material and is made with the intent to deceive; or

2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

We may be required to report suspicion of fraudulent activity and/or confirmed fraudulent activity to Your

residency state’s Department of Insurance.

5. The Legal Actions section is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought after five (5) years from the time written Proof of Loss

is required to be given.

6. The Cancellation section is replaced by the following:

Coverage may be canceled upon sixty (60) days’ written notice to You at Your last known address for one

of the following reasons:

1. nonpayment of premium;

2. the policy was issued because of a material misrepresentation;

3. any insured violated any of the material terms and conditions of the policy;

4. unfavorable underwriting factors, specific to the insured, exist that were not present at the inception of

the policy;

5. a determination by the commissioner that continuation of coverage could place the insurer in a

hazardous financial condition or in violation of the laws of this state; or

6. a determination by the commissioner that the insurer no longer has adequate reinsurance to meet the

insurer's needs.

You will be eligible to receive benefits if You fully activated coverage in accordance with this Description

of Coverage prior to the effective date of cancellation. You will be eligible to receive benefits if You fully

activated coverage in accordance with this Description of Coverage prior to the effective date of the

Company’s cancellation.

Cancellation of coverage will not prejudice any claim submitted prior to cancellation subject to all other

terms of the Policy.

CRLDI-END1-KS 09/17

Applicable to Residents of Louisiana

1. The Payment of Claims provision is replaced by the following:

A claim for benefits provided by this Plan will be paid within thirty (30) days after Our receipt of satisfactory

Proof of Loss documentation and determination that a claim is payable according to the terms of the Plan.

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

Tier 1

Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge

Us to the extent of such payment.

2. The Right to Recovery provision is replaced by the following:

If the Company makes any payment under this Policy and the Card Member has the right to recover

damages from another, the Company shall be subrogated to that right. However, the Company’s right to

recover is subordinate to the Card Member’s right to be fully compensated.

3. The Subrogation provision is replaced by the following:

In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to Your

rights of recovery. You shall execute all papers required and shall do everything necessary to secure and

preserve such rights, including the execution of such documents necessary to enable Us to effectively bring

suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such

subrogation rights.

We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated

for damages by another party.

CRLDI-END1-LA 09/17

Applicable to Residents of Maryland

1. The second paragraph on the first page is replaced by the following:

Coverage is worldwide except for vehicles rented in Australia, Italy, and New Zealand. In addition, pursuant

to the economic or trade sanction by United States of America law or regulations, including, but not limited

to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department's Office of

Foreign Assets Control ("OFAC"), coverage will not be extended for countries on the OFAC sanctioned

county list. Coverage that is in violation of such sanctions, law and regulation will not be covered under the

policy.

2. The Legal Action provision is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought after three (3) years from the date that the action

accrues.

3. The second paragraph of the Termination or Cancellation provision is replaced by the following:

The Company has the right to cancel this Description of Coverage or any endorsement or rider at any time

by sending a written notice at least sixty (60) days in advance to You at Your last known address, by using

first class mail tracking method. The notice will include the reason for cancellation. You will be eligible to

receive benefits if You fully activated coverage in accordance with this Description of Coverage prior to the

effective date of the Company’s cancellation.

CRLDI-END1-MD 09/17

Applicable to Residents of Minnesota

1. The following is hereby added to the Notice of Claim provision:

Providing notice to an agent appointed by Us amounts to notice to Us.

2. The Payment of Claims provision is replaced by the following:

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

Tier 1

A claim for benefits provided by this Plan will be paid within five (5) business days after Our receipt of

satisfactory Proof of Loss documentation and determination that a claim is payable according to the terms

of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will

fully discharge Us to the extent of such payment.

3. The following is hereby added to the Fraud provision:

No oral or written misrepresentation made by You, or on Your behalf, in the negotiation of insurance, shall

be deemed material, or defeat or avoid the policy, or prevent its attaching, unless made with intent to

deceive and defraud, or unless the matter misrepresented increases the risk of loss.

4. The following is hereby added to the Subrogation provision:

We shall not subrogate against any persons or organizations also insured under Our Plan or under any

other Policy issued by Us, with respect to the same loss.

CRLDI-END1-MN 09/17

Applicable to Residents of Missouri

1. The Legal Actions section is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has

been received by Us. No such action may be brought after ten (10) years from the time written Proof of

Loss is required to be given.

2. The Notice of Claims section is replaced by the following:

Notice of Claim should be provided to Us within thirty (30) days of the loss. You or the Authorized Driver

may contact the Company by calling toll-free stateside 1-800-338-1670 or, if from overseas, by calling

collect 1-216-617-2500. You or the Authorized Driver may also write to Us at Car Rental Loss and Damage

Insurance Claims Unit, PO Box 94729, Cleveland, Ohio 44101-4729.

Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit

payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as

reasonably possible. No claim will be denied based upon the insured’s failure to provide notice within such

specified time, unless this failure operates to prejudice the rights of the insurer, as per Missouri regulation

20CSR100-1.020. At the time You or the Authorized Driver provides Us with Notice of Claim, We will assist

with completion of the Proof of Loss by providing instructions and/or documents, which You or the

Authorized Driver may have to complete and return to Us. You or the Authorized Driver are required to

cooperate with Us and provide documentation as requested by Us which is required and necessary to

process the claim, determine if benefits are payable and collect amounts recoverable from others. No claim

will be denied based upon Your or the Authorized Driver’s failure to provide notice within such specified

time, unless this failure operates to prejudice Our rights.

3. The first paragraph of the Proof of Loss section is replaced by the following:

If required, a claim form will be sent to You or the Authorized Driver after We receive notice of loss. Written

proof of loss, which includes the signed claim form and all other requested documentation, must be received

within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your

Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Car Rental Loss and

Damage Insurance Claims Unit, PO Box, 94729, Cleveland, Ohio 44101-4729. If the required proof of loss

and other documentation is not received (except for documentation which has not been furnished for

reasons beyond Your or the Authorized Driver’s control), coverage may be denied. It is the claimant’s

responsibility to provide all required documentation.

All States Except Below, District of Columbia, Puerto Rico, & U.S. Virgin Islands

Tier 1

CRLDI-END1-MO 09/17

Applicable to Residents of Montana

1. The following statement is added to the face page of the Description of Coverage:

If there is a discrepancy between Policy and the Description of Coverage, the Description of

Coverage governs.

2. Index Section VII is replaced by the following:

Cancellation Section VII

3. The following is added to the end of Eligibility and Coverage Activation section: