# Does credit card rental insurance work at SeaTac CONRAC?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-08
**Grokipedia tier:** no
**Canonical:** https://www.seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac
**Authority:** https://www.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.

## Related

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