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Author	Topic: Do you getting an Insurance for rental car?
bluesky2k TUG Member Posts: 45 From: Registered: Mar 2004	posted 03-22-2005 16:12 How many of you actually getting insurance when you rent a car from rental car place? I heard that my auto insurance will cover if there is any accident when I am driving a rental car as well. Is it true? Also I heard that if I rent a car using Visa, Master card, or American Express, they will cover sum of money? IP: Logged
dbmMayer TUG Member Posts: 1955 From: Northern CA Owner: Westin Ka'anapali & Sheraton Desert Oasis Registered: Jul 2003	posted 03-22-2005 16:32 You need to CALL your auto insurance and ask - all policies are not the same. Some credit cards also provide coverage - but you need to call and ask. I know many people carry this info. with them when they rent a car. ------------------ Denise IP: Logged
bogey21 TUG Member Posts: 1099 From: fort worth, texas usa Registered: Sep 2001	posted 03-22-2005 22:31 I use the American Express primary responsibility coverage. It costs me $19.85 per rental. I also carry a copy of my Insurance card as some of the smaller car rental companies often insinuate that without it you have to take their daily coverage. I don't think you do, but flashing the Insurance Card shuts them up. IP: Logged
dougp26364 TUG Member Posts: 1850 From: Wichita KS owner: Polo Towers/ The Villas at Polo Towers/ Marriot's Ocean Point/Marriott's Grand Chateau/ HGVC LVStrip/ Grand Regency Branson, MO Registered: Jan 2001	posted 03-23-2005 02:14 The only time I buy the coverage is when I'm out of the country. Otherwise, my personal policy and the credit card company provide coverage. Keep in mind that if all you carry on your personal insurance policy is liablity coverage, then collision coverage won't be provided on the rental car either. IP: Logged
Shambolam Non Member Posts: 1 From: Seattle, WA Registered: Oct 2004	posted 03-23-2005 10:34 In the case where your regular car insurance policy covers your retal car: Don't forget that whatever deductable is on your regular car insurance also transfers to the rental! Find out what the deductable is on all insurance before deciding which policy to use. IP: Logged
Suzie q Non Member Posts: 16 From: Midwest Registered: Jun 2001	posted 03-23-2005 13:51 If you carry coverage "at home" any credit card coverage will become secondary. If you don't have your own vehicle coverage, then any credit card coverage will become primary. Also, even if you have full coverage, check with your agent regarding the maximum amount you are covered for. If you insure a smaller older vehicle, you MAY not have full coverage on the new Lincoln you want to rent IP: Logged
sdblue48 TUG Member Posts: 40 From: Registered: Sep 2004	posted 03-24-2005 13:59 Something to remember about car rentals; even if your personal auto insurance or credit card company extends coverage you'll still have a most unpleasant experience with the rental company if you're in an accident. They'll max out your credit card and keep it that way until your insurance company has settled the claim. That could take awhile. If you purchase the insurance with the rental the rental company will simply provide you with another vehicle and you'll go on your way. Personally, I buy the insurance. It's not all that expensive. IP: Logged
dougp26364 TUG Member Posts: 1850 From: Wichita KS owner: Polo Towers/ The Villas at Polo Towers/ Marriot's Ocean Point/Marriott's Grand Chateau/ HGVC LVStrip/ Grand Regency Branson, MO Registered: Jan 2001	posted 03-24-2005 15:43 quote: Originally posted by Suzie q: If you carry coverage "at home" any credit card coverage will become secondary. If you don't have your own vehicle coverage, then any credit card coverage will become primary. Also, even if you have full coverage, check with your agent regarding the maximum amount you are covered for. If you insure a smaller older vehicle, you MAY not have full coverage on the new Lincoln you want to rent Actually, there are a few credit cards out there that will act as primary (pays first) coverage. Diners Club has been one such card in the past. Most companies will cover up to a full size car that is being rented but not the luxury cars. It is excellent advice to ask you insurance company what the limit is on car style you can rent. As mentioned, if you drive a Ford Focus and rent a Lincoln Navigator, they're probably not going to cover you completely if at all. Credit cards have limits as to what class of car you can rent also. IP: Logged
roadsister TUG Member Posts: 881 From: Newark,CA,USA Registered: Dec 2000	posted 03-24-2005 17:06 I am flying to Atlanta this weekend and renting a compact car....Hertz wanted $38.00 for 5 days. I have State Farm and here is what they told me. They put a "Use of non-owned car" policy on me for the 5 days..it covers any adminstrative fees, loss of use fees, unlimited time for the rental car in the shop, etc. so I won't be out of pocket. They also said to ONLY put myself on the rental.....if I designate another driver they are covered just as they are on my own car at home (this eliminates other driver charges). Cost: 20 cents a day!! Now I have full coverage on my car at home with a $100.00 deductible just as an FYI. I have done this many times when renting a car and don't worry about letting my teenage son drive. This was my reason in calling in the first place and it has been explained the same way to me each time I have done it with State Farm. ------------------ WM owner since 4/96 IP: Logged
gw1400 TUG Member Posts: 921 From: CT Registered: Oct 2002	posted 03-24-2005 17:28 I use my Diners Club for all my car rentals. They have been primary in the past. This is all in a state of flux with Citibank taking over DC. If you use MC/Visa in the US, your own auto insurance will be primary and the CC secondary. Each policy is different. Mine would only cover car rentals on vacation or if one of my vehicles is in the shop. So if I rent a car when I have a perfectly usable car in the driveway, my auto insurance would not cover any damage. ------------------ Say "Thank You" to our service men and women: http://www.defendamerica.mil/nmam.html IP: Logged
beanie TUG Member Posts: 320 From: n. haledon ,n.j marriott's cypress harbour sports week , marriott's aruba surf club gold week, CPV aruba week 52 even yr , ATC one week odd yrs Registered: Dec 2000	posted 03-24-2005 18:05 quote: Originally posted by sdblue48: Personally, I buy the insurance. It's not all that expensive.[/B] I don't know but in orlando it doubled the price of the rental from $150 to over $300. I just give my home carrier a call and let them know before we go . IP: Logged
Kel TUG Member Posts: 597 From: So. Calif. / Desert Springs Marriott II Registered: Dec 2000	posted 03-24-2005 19:01 We never buy the additional insurance in the US or Canada. State Farm provides us with an additional form/policy for our car and for rental cars when we travel in Canada. We buy the additional insurance for rental cars in every other country we visit. Our State Farm agent buys the additional insurance when she travels outside the US/Canada and recommended that we do too. So we do. IP: Logged
musictom TUG Member Posts: 226 From: Manteca, CA, USA Registered: Sep 2002	posted 03-24-2005 23:41 Hadn't heard of this before ... Some friends got hit in their rental car. No problem, their auto insurance covered the repair. HOWEVER ... It took three weeks to get the car repaired, and my friends were billed something like $500 for "lost revenue". The assumption is the rental company would have made $500 on that car during those three weeks. Anyone else heard of this? Tom IP: Logged
bluesky2k TUG Member Posts: 45 From: Registered: Mar 2004	posted 03-25-2005 00:49 I called my insurance company which is Amica, the office told me that the insurance will cover same coverage for my rental car. We have midsize car and will rent a midsize car so it will be OK except we have $500 deductable. Thank you for your responses. IP: Logged
dougp26364 TUG Member Posts: 1850 From: Wichita KS owner: Polo Towers/ The Villas at Polo Towers/ Marriot's Ocean Point/Marriott's Grand Chateau/ HGVC LVStrip/ Grand Regency Branson, MO Registered: Jan 2001	posted 03-25-2005 06:40 quote: Originally posted by musictom: Hadn't heard of this before ... Some friends got hit in their rental car. No problem, their auto insurance covered the repair. HOWEVER ... It took three weeks to get the car repaired, and my friends were billed something like $500 for "lost revenue". The assumption is the rental company would have made $500 on that car during those three weeks. Anyone else heard of this? Tom Yes, I have. It's called loss of use and they'll try to hit you for it everytime. The catch is, they have to prove that an actual loss occured. If they have even one car in that catagory that sits on their lot unrented, then the car being in the shop did not constitute a loss since. In short, they have to be sold out of that catagory and prove it to claim they suffered a loss becaus the car was in the shop. IP: Logged
busymom_of4 Non Member Posts: 169 From: Oregon- Owner of Worldmark Registered: Apr 2002	posted 03-25-2005 08:30 We rented forgoing the insurance, knowing that we had full coverage at home. When my hubby wrecked it, the CC company paid the deductible while our insurance picked up the rest. We were out nothing. IP: Logged
roadsister TUG Member Posts: 881 From: Newark,CA,USA Registered: Dec 2000	posted 03-25-2005 16:48 quote: Originally posted by musictom: Hadn't heard of this before ... Some friends got hit in their rental car. No problem, their auto insurance covered the repair. HOWEVER ... It took three weeks to get the car repaired, and my friends were billed something like $500 for "lost revenue". The assumption is the rental company would have made $500 on that car during those three weeks. Anyone else heard of this? Tom Tom, This is part of what I was talking about in my post above (loss of use fees).....also, the admin. fees that they charge for their office is covered, and even though they say you must be 25 to drive the car, and some charge extra....IF only your name is on the rental and you have the insurance I talked about...it is all covered. I have used it in Canada as well.....well worth the $1.00-$1.40 (which my agent pays for me) ------------------ WM owner since 4/96 [This message has been edited by roadsister (edited 03-25-2005).] IP: Logged
RonaldCol TUG Member Posts: 1042 From: Chicago, IL USA; owner at Bluegreen's Christmas Mountain Village; Shell Anaheim and Fairfield's Dolphin's Cove in Anaheim. Registered: May 2002	posted 03-30-2005 09:43 When you use a credit card's car insurance provision be aware that only certain levels of the credit cards cover automobile rentals. I believe with the Platinum levels the coverage is included in the use of the card. The other levels don't have as much coverage, if any. ------------------ "Stop me before I buy again!" IP: Logged
Loops TUG Member Posts: 27 From: Michigan. DVC-OKW, Longboat Bay Club Registered: Oct 2003	posted 03-30-2005 12:43 bogey21, how do you buy the primary responsibility coverage thru american express. Do you just rent the car thru their site then they offer this to you or do you buy it at the car rental place. We have an american express card and I never heard of this option. Thanks, Laurie IP: Logged
ricoba TUG Member Posts: 762 From: Rancho Dominguez, CA Registered: Jan 2003	posted 03-30-2005 13:02 quote: Originally posted by Loops: bogey21, how do you buy the primary responsibility coverage thru american express. Do you just rent the car thru their site then they offer this to you or do you buy it at the car rental place. We have an american express card and I never heard of this option. Thanks, Laurie I too have this option with my American Express card. I would assume you simply need to call American Express to enroll. I enrolled through the mail or through a telemarketing call, I can't remember. It's a cheap option for renting, especially if you rent for more than a few days at a time. Rick IP: Logged
Loops TUG Member Posts: 27 From: Michigan. DVC-OKW, Longboat Bay Club Registered: Oct 2003	posted 03-30-2005 14:19 Thanks rick! IP: Logged
ricoba TUG Member Posts: 762 From: Rancho Dominguez, CA Registered: Jan 2003	posted 03-30-2005 15:59 quote: Originally posted by Loops: Thanks rick! You're welcome... Here is the info I found on Americanexpress.com Car Rental Loss and Damage Insurance Insurance Plan* Enjoy The Ride�The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. This coverage is in EXCESS to your other sources of insurance. � Easy to Activate�When you are the primary renter, simply use your eligible Card to reserve and pay for an auto rental and decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. � 30 Days Of Coverage�Coverage applies for the first 30 days of an auto rental if rented from a commercial car rental company. In the US: For assistance call 800-338-1670 toll free. Non-US Locations: For assistance call 440-914-2950 collect. * Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. No coverage is provided for vehicles rented in Australia, Ireland, Italy, Israel, Jamaica, and New Zealand. Coverage is only available to permanent residents of the United States, Puerto Rico, and the U.S. Virgin Islands. Certain vehicles are not covered and other significant exclusions apply. Coverage is subject to the terms, conditions and exclusions of Policy AX0925. IP: Logged
bogey21 TUG Member Posts: 1099 From: fort worth, texas usa Registered: Sep 2001	posted 03-30-2005 17:09 quote: Originally posted by Loops: bogey21, how do you buy the primary responsibility coverage thru american express. Do you just rent the car thru their site then they offer this to you or do you buy it at the car rental place. We have an american express card and I never heard of this option. Thanks, Laurie You just sign up with Amex. Make sure you use your Amex card for car rental. When the car rental is billed to your Amex account they bill you for the insurance at the same time. Basically the key is (1) sign up and (2) use your Amex card when you rent. The rest is automatic. IP: Logged

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