Visa Infinite. Auto Rental Insurance
3 of 4April 2015
have, and will send the cardholder a claim form.
The auto rental company might require the cardholder to pay for damages
with his Visa card. If this happens, the insurance company will reimburse the
cardholder directly for the covered amount after the claim is processed.
The cardholder is required within 30 days after the accident or theft to notify the
claims administrator via telephone call. A toll free number or worldwide collect
number is available. Not doing so might result in denial of the claim.
What does the cardholder need from the
auto rental company in order to submit a
claim?
As soon as the accident occurs or the cardholder returns the rental vehicle, he or
she must request the following from the auto rental company:
• A copy of the accident report and a completed claim form indicating the
costs for which the cardholder is liable.
• A copy of the initial and final auto rental agreement (front and back).
• A copy of the repair estimate and final repair invoice.
• If available, two photographs of the vehicle showing damages.
• For claims including “loss of use” charges by the auto rental company, a copy
of the daily utilization record for the loss period, if available.
• A copy of the police report (if any).
How is the claim submitted?
The cardholder must notify the incident to the claims administrator no later than
30 days following the accident or theft.
The cardholder within the time frame stated on the claim form, must fill out and
sign the claim form and submit it accompanied by:
• A copy of the sales receipt showing that the full auto rental was reserved and
paid with the cardholder’s Visa card providing this coverage.
• All documentation the cardholder receives from the auto rental company
(see the list above under section “What does the cardholder need from the
auto rental company in order to submit a claim?) must be sent within the
time frame stated on the claim form to:
Claims Administrator
VLAC Auto Rental Insurance Program
Maipú 255 Piso 17
C1084ABE, Buenos Aires, Argentina
After the cardholder reports the damage or theft, the claim will remain open
during a period of 12 months following the date of loss. During that period, the
cardholder must support the claim as required. No payment will be made until
the claims administrator has received all necessary documentation at its offices.
What else should the cardholder do?
In normal circumstances, the claim will be paid within a period of 15 days from
the date the claims administrator receives all required documentation. However,
as soon as the claim is paid, all rights against any person in connection with the
damage or theft will be transferred to the insurance provider.
This means that the insurance provider will have the right to file suit on its own
in the cardholder’s name. The cardholder will assist the insurance provider in
any way, as reasonably requested by the insurance provider, in order to help
the insurance provider enforce any rights or recourse the insurance provider
may have, including the execution of all documents required by the insurance
provider to file suit in the cardholder’s name.
General program provisions
The cardholder will do his or her best to avoid or reduce any losses or damages to
the property insured under this program. Please keep in mind that the Insurance
Provider will not apply this provision unreasonably to avoid a claim. If the
cardholder makes any claim knowing it to be false or fraudulent in any respect,
he or she will no longer be entitled to the benefits of this protection, nor to the
payment of any claim made under this policy. This insurance is subject to the
terms and conditions described and includes certain restrictions, limitations and
exclusions. AIG and/or corresponding reinsurer, if applicable, will not be liable
to provide any coverage or make any payment hereunder if to do so would be
in violation of any sanctions law or regulation which would expose AIG and/
or corresponding reinsurer, if applicable, its parent company or its ultimate
controlling entity to any penalty under any sanctions law or regulation.
This description of coverage is not a contract of insurance and is intended to
be a general informative statement of the coverage made available by Visa
International throughout the Latin America and Caribbean Region
In the event of any discrepancy between the policy and the description of
the program, the policy will govern. This policy is on file at the offices of Visa
International, Latin America and Caribbean Region.
If a cardholder needs to submit a claim or has any question regarding this
program, the cardholder should call the Assistance Center at the toll free number
assigned to his country. The Assistance Center operates 24 hours a day, 365 days
a year.
We are empowered to cancel or decline renewal of any Visa cardholder’s
insurance coverage. If we do so, the card issuer will give cardholders at least
60 days advance notice. If the Insurance company does not renew or cancels
any coverage provided to Visa cardholders, cardholders will be notified at least
60 days prior to the date the policy expires. In the event a substantially similar
coverage becomes effective without interruption, said notice will not be required.
The Auto Rental insurance will continue to apply to rentals that were effective
prior to the date of cancellation or non-renewal, provided all other terms and
conditions of coverage are met.
Complete provisions pertaining to this plan of insurance are contained in the
policy on file with Visa International, Latin America and Caribbean Region. If a
statement in the description of coverage and any provision in the policy differ, the
locally admitted policy issued in the jurisdiction where your Visa card has been
issued will govern. The plan is underwritten by:
Country Company
Argentina La Meridional Compañía Argentina de Seguros, S.A.
Bolivia AIG Chile Compañia de Seguros Generales S.A.
Brasil AIG Seguros Brasil S.A.
Chile AIG Chile Compañia de Seguros Generales S.A
Colombia AIG Seguros Colombia S.A.
Ecuador AIG Metropolitana Compañía de Seguros y Reaseguros S.A.
El Salvador Chartis Seguros El Salvador S.A.
Guatemala AIG Seguros Guatemala S.A.
Honduras American Home Assurance Company - Honduras
Jamaica Chartis Jamaica Insurance company Limited
Mexico AIG Seguros Mexico, S.A. de C.V.
Panama AIG Seguros Panamá, S.A.
Paraguay AIG Chile Compañía de Seguros Generales S.A.
Peru AIG Chile Compañia de Seguros Generales S.A.
Puerto Rico AIG Latin America I.I.