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⚡ TL;DR Summary for Loretta
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100% Primary Coverage via Chase Sapphire: Covered in Canada on a primary basis. Personal insurance (Amica) will not be touched.
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$0 Net Cost to You: Estimated repair is ~$1,000–$2,250 USD, fully covered by Chase ($0 deductible).
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Family-Friendly Drop-Off (Aug 11): Drop family & bags at YVR Departures curb first. One person does a 5-minute solo return at Avis using the glovebox/pre-filled incident form.
❓ Frequently Asked Questions
Will filing this claim raise Loretta's Chase or Amica insurance rates?
No, zero impact. Chase Sapphire provides primary coverage in Canada, meaning Chase pays Avis directly ($0 deductible). Amica is never contacted, so your personal car insurance rates will not increase. Credit card annual fees and interest rates are also completely unaffected.
Why report the actual incident date (July 28) instead of the return date?
Adjusters expect damage photos/odometer readings to be taken days after an incident on drivable vehicles. Keeping the exact date consistent across Avis and Chase forms avoids processing delays.
Overall Claim Progress0%
🛡️ 100% Primary Protection in Canada — $0 Deductible • No Amica Policy Impact