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Sorting out rental car insurance options
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<blockquote data-quote="Joshua Randall" data-source="post: 2415450" data-attributes="member: 7737"><p>I used to work for a company that handled rental car claims. Here is some advice, from me, a guy who used to work there. If you take my advice and it turns out to be bad advice -- well, that's not my problem.</p><p></p><p>* If you currently own an automobile and have automobile insurance, read your policy carefully to see if it covers rentals. Some do, some don't.</p><p></p><p>* Regardless of the above, if you rent the car with a major credit card (Visa, MC, etc.) you MAY be covered and not need to purchase the rental comapny's insurance. READ YOUR CARDMEMBER AGREEMENT to see if you're covered, and what the restrictions are. For example, you may only be covered in certain types of passenger vehicles (so no vans or even SUVs) or you may only be covered for a certain length of time (up to 14 days or up to 30 days or whatever).</p><p></p><p>* If you do decide to accept the rental company's insurance, READ THE FINE PRINT to see what is covered and what is not. Also, remember that even if you accept their insurance, you still have to abide by their rules. That means filing claims speedily, not using the vehicle to do stupid or illegal stuff, etc.</p><p></p><p>Also -- whenever you rent a car, INSIST upon a walk-around inspection and INSIST the rental company mark EVERY SINGLE nick and scratch on their form. DO NOT let them talk you out of it. Because if you don't, they can legally charge you for damages even months after you return the vehicle.</p></blockquote><p></p>
[QUOTE="Joshua Randall, post: 2415450, member: 7737"] I used to work for a company that handled rental car claims. Here is some advice, from me, a guy who used to work there. If you take my advice and it turns out to be bad advice -- well, that's not my problem. * If you currently own an automobile and have automobile insurance, read your policy carefully to see if it covers rentals. Some do, some don't. * Regardless of the above, if you rent the car with a major credit card (Visa, MC, etc.) you MAY be covered and not need to purchase the rental comapny's insurance. READ YOUR CARDMEMBER AGREEMENT to see if you're covered, and what the restrictions are. For example, you may only be covered in certain types of passenger vehicles (so no vans or even SUVs) or you may only be covered for a certain length of time (up to 14 days or up to 30 days or whatever). * If you do decide to accept the rental company's insurance, READ THE FINE PRINT to see what is covered and what is not. Also, remember that even if you accept their insurance, you still have to abide by their rules. That means filing claims speedily, not using the vehicle to do stupid or illegal stuff, etc. Also -- whenever you rent a car, INSIST upon a walk-around inspection and INSIST the rental company mark EVERY SINGLE nick and scratch on their form. DO NOT let them talk you out of it. Because if you don't, they can legally charge you for damages even months after you return the vehicle. [/QUOTE]
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