©2021 Bank of America Corporation. General disclaimer for Bank of America.
Auto Rental Collision Damage Waiver
and Emergency Assistance Services
United States Commercial Card, Corporate Card, Purchasing Card, Virtual
Travel Cards and related Ghost Card Accounts
(applies to Visa Only)
Description of Coverage provided for Bank of America
Description of Coverage
This Description of Coverage replaces any and all Descriptions of Coverage previously issued to the insured with
respect to insurance described herein.
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©2021 Bank of America Corporation. General disclaimer for Bank of America.
Your Guide to Benefit describes the benefit in effect as of 4/30/21. Benefit information in this guide
replaces any prior benefit information you may have received. Please read and retain for your records. Your
eligibility is determined by your financial institution.
Visa® Commercial Card
Travel and Emergency Assistance Services
Emergencies can escalate quickly when You are traveling away from home. Something that is relatively
straight forward when You are not traveling, like replacing prescription medication, can be a difficult task
when You are dealing with local laws or language barriers.
Travel and Emergency Assistance Services are made available to help You in case of an emergency while
You are traveling away from home. The Benefit Administrator can connect You with the appropriate local
emergency and assistance resources available, 24 hours a day, 365 days a year.
Please note that due to occasional issues such as distance, location, or time, neither the Benefit
Administrator nor its service providers can be responsible for the availability, use, cost, or results of any
medical, legal, transportation, or other services.
What are Travel and Emergency Assistance Services and how do I use these services when I need them?
Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible
card issued in the United States. You, Your Immediate Family Members and business associates are also
eligible to use these services. Travel and Emergency Assistance Services provide assistance and referral
only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other
services or goods provided.
To use the services, simply call the toll-free, 24-hour Benefit Administrator line at 1-800-992-6029. If You
are outside the United States, call collect at 1-804-673-1675.
What are the specific services and how can they help me?
Emergency Message Service can record and relay emergency messages for travelers, their
Immediate Family Members or business associates. The Benefit Administrator will use
reasonable efforts to relay emergency messages in accordance with benefit guidelines and
limitations, but cannot take responsibility for the failure to transmit any message successfully. All
costs are Your responsibility.
Medical Referral Assistance provides medical referral, monitoring, and follow-up. The Benefit
Administrator can give You names of local English-speaking doctors, dentists, and hospitals;
assign a doctor to consult by phone with local medical personnel, if necessary, to monitor Your
condition; keep in contact with Your family, and provide continuing liaison; and help You arrange
medical payments from Your personal account. All costs are Your responsibility.
Legal Referral Assistance can arrange contact with English-speaking attorneys and U.S.
embassies and consulates if You’re detained by local authorities, have a car accident, or need
legal assistance. In addition, the Benefit Administrator can coordinate bail payment from Your
personal account. The Benefit Administrator can also follow up to make sure bail has been
properly handled. All costs are Your responsibility.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
Emergency Transportation Assistance can help You make all the necessary arrangements for
emergency transportation home or to the nearest medical facility. This includes arranging to
bring Your Immediate Family Members or business associates home and helping You stay in
contact with family members or employers during the emergency. In the case of a death, the
Benefit Administrator can make arrangements to repatriate the remains. All costs are Your
responsibility.
Emergency Ticket Replacement helps You through Your carrier’s lost ticket reimbursement
process and assists in the delivery of a replacement ticket to You, should You lose Your ticket. All
costs are Your responsibility.
Lost Luggage Locator Service can help You through the Common Carrier’s claim procedures or
can arrange shipment of replacement items if an airline or Common Carrier loses Your checked
luggage. You are responsible for the cost of any replacement items shipped to You.
Emergency Translation Services provides telephone assistance in all major languages and helps
find local interpreters, if available, when You need more extensive assistance. All costs are Your
responsibility.
Prescription Assistance and Valuable Document Delivery Arrangements can help You fill or
replace prescriptions, subject to local laws, and can arrange pickup and delivery of Your
prescriptions filled for You at local pharmacies. It can also help transport critical documents that
You may have left at Your home or elsewhere. All costs are Your responsibility.
Pre-Trip Assistance can give You information on Your destination before You leave such as
ATM locations, currency exchange rates, weather reports, health precautions, necessary
immunizations, and required passport visas.
Definitions
Common Carrier means any mode of transportation by land, water or air operating for hire under a
license to carry passengers for which a ticket must be purchased prior to travel. Does not include taxi,
limousine service, commuter rail or commuter bus lines.
Immediate Family Member means Your Spouse or dependent children under twenty-two (22) years old.
You or Your means an eligible person whose name is embossed on an eligible U.S. issued card, and You
reside in the United States.
Additional provisions for Travel and Emergency Assistance Services
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained
in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and
conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement
messages or electronic notification. The benefits described in this Guide to Benefits will not apply to
cardholders whose accounts have been suspended or cancelled.
FORM #TEAS 2017 (Stand 04/17) TEAS-CG
For more information about the benefit described in this guide, call the Benefit Administrator at 1-800-992-
6029, or call collect outside the U.S. at 1-804-673-1675.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen
and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto
Rental Collision Damage Waiver.
Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision - up to the
Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver covers no other type of loss.
For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or
the injury of anyone or anything is not covered. Rental periods of thirty-one (31) consecutive days are
covered. (Longer rental periods, however, are not covered.)
You are eligible if Your name is embossed on an eligible card issued in the United States or if You are
authorized by Your company to rent an eligible vehicle using the company’s eligible Account, as long as
the rental is purchased entirely with the Account. Only You, as the primary renter of the vehicle, and any
additional drivers permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and
substantiated by the auto rental company, administrative fees and reasonable and customary towing
charges, due to a covered theft or damage to the nearest qualified repair facility.
If the Rental Vehicle is for commercial and/or business purposes, Auto Rental Collision Damage Waiver
benefit acts as primary coverage, and You may be reimbursed for up to the actual cash value of the
vehicle.
If the Rental Vehicle is for personal reasons, this benefit is secondary coverage, supplemental to Your
personal automobile insurance, meaning You may only be reimbursed for the amount of Your personal
insurance deductible or other charges, including valid administrative and loss-of-use charges not covered
under Your personal insurance policy. If You are renting outside Your country or residence, or if You do
not have automobile insurance, Auto Rental Collision Damage Waiver acts as primary coverage.
How to use Auto Rental Collision Damage Waiver
1. Use Your card to initiate and complete Your entire car rental transaction.
2. Review the auto rental agreement and decline the rental company’s collision damage waiver
(CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your benefit.
If the rental company insists that You purchase their insurance or collision damage waiver, call
the Benefit Administrator for assistance at 1-800-348-8472. Outside the United States, call collect
at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any prior damage.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it
terminates when the rental company reassumes control of their vehicle.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
This benefit is available in the United States and most foreign countries (with the exception of Israel,
Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where
precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when
prohibited by individual merchants. Because regulations vary outside the United States, check with Your
auto rental company and the Benefit Administrator before You travel, to be sure that Auto Rental Collision
Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of expensive, exotic, and antique cars; cargo
vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes;
limousines; and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar,
Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected
models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are
covered.
An antique car is defined as one that is over twenty (20) years old, or one that has not been
manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine [9]
people, including the driver) are covered.
If You have questions about a specific vehicle’s coverage or organization where the vehicle is being
reserved, call the Benefit Administrator at 1-800-348-8472 or call collect outside the United States at 1-
804-673-1164.
Related instances & losses not covered
Any obligation You assume under any agreement (other than the deductible on Your personal
auto policy)
Any violation of the auto rental agreement or this benefit
Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
Loss or theft of personal belongings
Personal liability
Expenses assumed, waived, or paid by the auto rental company, or its insurer
The cost of any insurance, or collision damage waiver, offered by or purchased through the auto
rental company
Depreciation of the Rental Vehicle caused by the incident including, but not limited to,
“diminished value”
Expenses reimbursable by Your insurer, employer, or employer’s insurance
Theft or damage due to intentional acts, or due to the driver(s) being under the influence of
alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
Wear and tear, gradual deterioration, or mechanical breakdown
Items not installed by the original manufacturer
Damage due to off-road operation of the Rental Vehicle
©2021 Bank of America Corporation. General disclaimer for Bank of America.
Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion,
insurrection, or terrorist activities)
Confiscation by authorities
Vehicles that do not meet the definition of covered vehicles
Rental periods that either exceed, or are intended to exceed thirty-one (31) consecutive days
Leases and mini leases
Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care
in protecting the Rental Vehicle before and/or after the damage or theft occurs (for example,
leaving the car running and unattended)
Theft or damage reported more than forty-five (45) days* after the date of the incident
Theft or damage for which a claim form has not been received within ninety (90) days* from the
date of the incident
Theft or damage for which all required documentation has not been received within three
hundred and sixty-five (365) days after the date of the incident
Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of
Ireland, or Northern Ireland
Losses caused by or resulting from a Cyber Incident.
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage
or theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit
Administrator at 1-800-348-8472 to report the incident, regardless of whether Your liability has been
established. Outside the United States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible but no later than forty-five (45) days from the
date of the incident.
The Benefit Administrator reserves the right to deny any claim containing charges that would not have
been included, if notification occurred before the expenses were incurred. Thus, it’s in Your best interest
to notify the Benefit Administrator immediately after an incident. Reporting to any other person will not
fulfill this obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company
for the following documents:
A copy of the accident report form
A copy of the initial and final auto rental agreements (front and back)
A copy of the repair estimate and itemized repair bill
Two (2) photographs of the damaged vehicle, if available
A police report, if obtainable
A copy of the demand letter which indicates the costs You are responsible for and any amounts
that have been paid toward the claim.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
Submit all of the above documents from the rental company, along with the following documents, to the
Benefit Administrator:
The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This must
be postmarked within ninety (90) days* of the theft or damage date, even if all other required
documentation is not yet available or Your claim may be denied).
A copy of Your monthly billing statement (showing the last four [4] digits of the Account number)
demonstrating that the entire rental transaction was made on Your eligible Account.
If the rental was for personal use, a statement from Your insurance carrier (and/or Your employer
or employer’s insurance carrier, if applicable), or other reimbursement showing the costs for
which You are responsible, and any amounts that have been paid toward the claim. Or, if You
have no applicable insurance or reimbursement, a statement of no insurance or reimbursement
is required.
If the rental was for personal reasons, a copy of Your primary insurance policy’s Declarations Page
(if applicable), to confirm Your deductible (This means the document(s) in Your insurance policy
that lists names, coverages, limits, effective dates, and deductibles).
Any other documentation required by the Benefit Administrator to substantiate the claim.
Finally, please note that all remaining documents must be postmarked within three hundred and sixty-
five (365) days* of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within fifteen (15) days, after the Benefit Administrator has received
all the documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or
damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to
You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all
rights and remedies.
Definitions
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market
value, age and condition at the time of loss.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
Computer Programs means a set of related electronic instructions which direct the operations and functions
of a computer or device connected to it, which enable the computer or device to receive, process, store,
retrieve or send data.
Cyber Incident means any of the following acts:
(a) unauthorized access to or use of Your Digital Data or a Rental Vehicle;
(b) alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft,
deletion, erasure, loss of use or destruction of Your Digital Data or a Rental Vehicle;
(c) transmission or introduction of a computer virus or harmful code, including ransomware, into or
directed against Your Digital Data or a Rental Vehicle;
(d) restriction or inhibition of access to or directed against Your Digital Data or a Rental Vehicle;
computer errors, including human operating error or omission; power failure, surge, or diminution of
electronic systems; or mistakes in legitimate electronic code or damage from code installed on [an Eligible
Wireless Cellular Telephone, Rental Vehicle, or Covered Purchase] during the manufacturing process,
upgrade process, or normal maintenance
Digital Data means information, concepts, knowledge, facts, images, sounds, instructions, or Computer
Programs stored as or on, created or used on, or transmitted to or from computer software (including
systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing
devices or any other repositories of computer software which are used with electronically controlled
equipment. Digital Data shall include the capacity of a Rental Vehicle to store information, process
information, and transmit information over the Internet.
Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle
from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the
responsibilities of all parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating
organization’s disclosure statement which the eligible renter has rented for the period of time shown on
the Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the
amount shown on the participating organization’s disclosure statement
You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car
transaction.
Additional provisions for Auto Rental Collision Damage Waiver
Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist
for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in
any case of fraud, intentional concealment, or misrepresentation of material fact.
©2021 Bank of America Corporation. General disclaimer for Bank of America.
No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than
two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought
against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications
to the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notifications. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party
in respect of this claim will be transferred to the Benefit Administrator to the extent of the
payment made to You. You must give the Benefit Administrator all assistance as may reasonably
be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of
claims.
FORM #BCDW01 2021 (Stand 04/21) ARCDW-CG
For more information about the benefit described in this guide, call the Benefit Administrator at 1-800-348-
8472, or call collect outside the U.S. at 1-804-673-1164.
Please Note: In this document, “card” refers to Corporate, Fleet, Meetings, Purchasing, or any combination
of these card products (Commercial).