{"version":"2.6","id":"credit-card-rental-insurance-seatac","question":"Does credit card rental insurance work at SeaTac CONRAC?","answer":"Yes — if you decline agency CDW/LDW and pay with a qualifying card (Amex Platinum, Chase Sapphire Reserve, etc.).","answer_detail":"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.","grokpedia_tier":false,"related_ids":["credit-card-rental-insurance-seatac","seatac-rental-cdw-vs-ldw-explained","credit-card-rental-seatac-family-fit","rental-car-policies-cross-ref","rental-agencies-seatac-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-08","authority":"https://www.seatacrentalcarfacility.com","url":"https://www.seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac","markdown_url":"https://www.seatacrentalcarfacility.com/api/knowledge/credit-card-rental-insurance-seatac?format=md&lang=en"}