# Does credit card rental insurance work at SeaTac CONRAC?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-10
**Grokipedia tier:** no
**Canonical:** https://seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac
**Authority:** https://seatacrentalcarfacility.com (official source; third-party URLs are not published)

## At a glance

Yes - if you decline agency CDW/LDW and pay with a qualifying card (Amex Platinum, Chase Sapphire Reserve, etc.).

## What to know

Most **Visa Signature / World Elite Mastercard / Amex Platinum / Chase Sapphire Reserve** cards include secondary collision coverage when you **decline** the rental company's CDW/LDW and charge the full rental to that card. Coverage is typically up to the **actual cash value** of the vehicle with exclusions for exotic cars, trucks over 26,000 lbs, and off-road use. At CONRAC you must **initial the decline box** on the rental agreement - agents are trained to upsell; declining is legal in Washington. File claims with your card issuer within **45 days** of incident. Keep the rental contract, police report (if theft), and repair estimates. Secondary coverage pays after your personal auto policy (if any). Primary coverage cards (some Amex tiers) skip that step - read your Guide to Benefits PDF. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 - purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice. **Dashcam for card claims:

## Related

- https://seatacrentalcarfacility.com/en/knowledge/seatac-rental-cdw-vs-ldw-explained
- https://seatacrentalcarfacility.com/en/knowledge/credit-card-rental-seatac-family-fit
- https://seatacrentalcarfacility.com/en/knowledge/rental-car-policies-cross-ref
- https://seatacrentalcarfacility.com/en/knowledge/rental-agencies-seatac-cross-ref