Rental auto damage claim with CC company benefits program?

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Any idea if this could affect her domestic auto insurance rates or anything?

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Anyone have experience making such a claim?

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Benefit Overview

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

The following information is a summary only. Please see your Guide to Benefits for complete details.

Additional Benefit Information

Provides reimbursement for damage due to collision or theft for most rental vehicles when traveling within the US and abroad.

It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit
Initiate and pay for the entire rental transaction using the covered Chase card and decline the rental company’s collision damage waiver or loss damage waiver
If you have questions about a specific vehicle or rental check with the Benefit Administrator prior to your travel.
Who’s Covered

Cardmember (name is embossed on the card and listed as the primary renter)
Additional drivers permitted by the rental agreement (authorized persons)
Coverage Amount/Period

Up to $75,000
Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days
What’s Covered

Physical damage and/or theft of covered rental vehicle
Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility
Valid loss-of-use charges incurred by the rental car agency
What’s Not Covered

This is not an exhaustive list. Examples include:

Antique automobiles; vans designed to carry more than 9 people; vehicles that have an open cargo bed; trucks (other than pick-ups); motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
Expenses reimbursed under your personal auto insurance policy, your employer or your employer’s insurance
Any obligation you assume under any other agreement
Injury of anyone or anything inside or outside of the vehicle
Leases and mini leases; including hourly rentals and car share services
Any violation of the auto rental agreement
Loss or theft of personal belongings
Important Claim Information and Timeframes

If you, the Cardmember, have an incident, contact the Benefit Administrator immediately to report theft or damage, regardless of whether your liability has been established
You must notify the Benefit Administrator within 100 days of the damage or theft
The Benefit Administrator will send you a claim form when you report your loss; You must submit a completed claim form within 120 days of the damage or theft
Submit all required supporting documentation within 365 days of the damage or theft

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