How It Works. 4 simple steps to freedom from car rental

If the credit card that you use for Zipcar reservations provides coverage (or you think it might), please file a claim with your credit card immediately following the accident. The faster you do this, the more likely it is that your credit card company will pay for the damages and you won't have to pay anything!

American Express:
You can file your claim online via the following link: https://yourcarrentalclaim.com/ Or you can call 1.800.338.1670 and select option 1 to file a claim.

MasterCard:
Please call (800) 622-7747 and ask to file an auto claim. They'll transfer you to the correct area. MasterCard claims require that you sign a form and send it back to them. On this form, please be sure to check off "Irrevocable Assignment of Benefits;" this will allow MasterCard to work with Zipcar directly on the claim so you won't be charged.

Discover:
Call (800) 252-4670 to file a claim or go to Chubb.com for more information on your coverage.

Diner's Club:
Call (800) 613-5975 to file a claim.

Visa and others:
Please call the customer service number on your credit card statement, then ask to file an auto claim, they'll transfer you to the correct area. In our experience, Visa claims have not been successful, but if you file a claim, we will pursue it on your behalf.

To file a claim, you will be asked your card number and expiration date, personal information (name, address, phone, email), as well as information about the accident and the Zipcar itself. The 'rental agreement' or 'contract number' is simply your Zipcard number. Please make sure to provide the address of our Home Office at 35 Thomson Place, Boston, MA 02210, (p) 617.995.4231.

One key question that they usually ask is "Did you decline the collision damage waiver (CDW)?" If you did not purchase the damage fee waiver from Zipcar, then you can answer YES to this question. If you did purchase the Zipcar damage fee waiver, your answer would be "NO, however, our damage fee covers the whole cost of the accident, not just collision damage." In other words, the Zipcar waiver is not solely for collision and you may still qualify for the coverage through your credit card by explaining this point.

Please email the claim number to accidents@zipcar.com as soon as possible and keep us up-to-date with claim information. Often times, the credit card companies only communicate with their cardholders leaving us in the dark and you without your refund!

Once the claim is filed, your credit card company will contact Zipcar for additional documentation and we will turn this around to them within 2-3 business days. Generally, if approved, this whole process takes less then a few short weeks and members don't end up having to pay anything toward the accident. Unfortunately, if your credit card company denies the claim, you will be responsible for the damage fee.

If you have any questions, please email accidents@zipcar.com or call and ask to speak to someone on the Accident Team.