Amex Baggage Claim Denied Over Checked Bag Name

A reader identified as Nicolas E. experienced a denied American Express baggage insurance claim due to a detail concerning the name under which a damaged suitcase was checked. During a recent trip, Nicolas's wife's Briggs & Riley suitcase sustained significant damage, developing a crack near one of its wheels while in transit.

Initially, the couple filed a claim with Delta, the airline, but this was denied. Delta's explanation was that Briggs & Riley is known for its product guarantees, implying Delta would not cover the damage. Subsequently, Nicolas submitted a baggage insurance claim to American Express, as their Delta SkyMiles Amex card was used to purchase the airline tickets. This claim was also rejected.

The American Express claim was denied because the damaged suitcase had been officially checked under the name of their 12-year-old son. The couple had redeemed Delta miles for their son's ticket, meaning he was not covered by the credit card's baggage insurance policy. While Briggs & Riley ultimately agreed to repair the suitcase under its lifetime guarantee at no charge, Nicolas incurred approximately $66 in shipping costs to send the bag for repair.

Delta's stated reason for denying the initial claim is notable. According to the United States Department of Transportation, airlines are generally responsible for repairing or reimbursing passengers for baggage damaged while under their control. The department's terms and Delta's own contract of carriage do not appear to include an exception based on whether the luggage manufacturer offers a lifetime warranty. Nicolas could potentially appeal Delta's decision, but the primary lesson highlighted is how a seemingly minor detail, such as the name associated with a checked bag, can impact insurance coverage.