Chase Sapphire Reserve Car Insurance Claim Saved Me $315

The Chase Sapphire Reserve Credit Card is a life saver!

Here is a more in depth site of what this CSR Car Insurance covers.

When I moved to Barcelona, I returned my car lease and I’ve been taking public transportation ever since. Occasionally I do go out of town and rent a car when needed but I don’t have any insurance that will cover me in case I get into an accident and paying $25/day through the rental car company can be a bit pricey. Luckily having the Chase Sapphire Reserve credit card it serves as my primary insurance. Just be sure to charge the car rental costs onto this card.

I recently rented a car in Spain and drove to Portugal. As we were checking into our AirB&B, someone broke into a car. Luckily nothing was taken except the rental contract. CSR will NOT reimburse for any theft of PERSONAL belongings.


I immediate called the benefits hotline ( 1-800-348-8472) and reported it and I was sent an email with instructions. Then you need to file a police report. You will then submit all documents at

Documents I needed to provide:

  1. Reservation email confirmation with rental company
  2. Police Report
  3. Original contract front and back
  4. Final contract front and back
  5. Demand letter from the car company with all claimed expenses
  6. Copy of itemized estimate of repair or itemized repair bill
  7. 2 photographs of damage to the vehicle
  8. Credit Card statement – Wait until you have this to fully submit the claim

I submitted my documents on July 9th and 10 days later I got an approval letter for the damage – $315. You have a choice of waiting for a check or getting a direct deposit into your bank account.

Approval Letter


3 Comments on “Chase Sapphire Reserve Car Insurance Claim Saved Me $315

  1. Fabulous post and thanks for sharing. I too have this card and luckily have not had to file any claim and have always wondered in the back of my head how a rental car claim would work. Great to hear! I enjoy your reading your blog and travel tips. Thank!


  2. Pingback: My Love/Hate Relationship with Porto | You Don't Have to Be Rich To Travel

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