My case is similar to yours, 2 weeks ago I had a hit and run on my Enterprise rental car and I was r

If your credit card offers tour de georgia route rental car insurance coverage as a benefit, can you turn down the agency s coverage, take the keys and drive off without worry? We ll go over the details, but always check with your credit card company before renting to confirm as we all know terms and conditions are subject to change.”
First of all, in order to qualify, you will have to decline the rental car company s insurance and pay for the rental in full using your applicable credit card. Credit car rental insurance is usually secondary, meaning that it only pays out what your primary auto insurance doesn’t cover (if you have any). Usually, that means they will pay the deductible on your personal tour de georgia route car insurance. What if you don’t have regular car insurance? Then typically, but not always, the credit card coverage will kick in right away for the very first dollar in damage.
Coverage varies by card (which we will discuss more in a moment) but, generally speaking, it applies to damage, theft and vandalism often with exceptions for damage that takes place while the insured is intoxicated, while the car is being used in a race or while the insured is engaging in a criminal act.
If you’re renting a Taurus or a Camry, you should be OK. But anything other than your run-of-the-mill passenger car may not be covered. For example, pickup trucks are almost never covered. Exotic and luxury cars, antique vehicles, full-size vans, motorcycles and some SUVs are not covered. So to play it safe, rent a basic car and always double check with your card issuer to make sure.
Let’s take a look at typical credit card car rental insurance coverage. Please note this information may be outdated and incorrect, so you will definitely need to check with your credit card company before renting to know for sure:
As you can imagine, tour de georgia route all of these credit card car rental insurance policies come with loads of fine print. Be on the lookout for fees that are not covered. For example, most will cover “reasonable towing” fees. However, loss-of-use fees (while the car is being repaired or replaced) may not be covered if the rental company doesn’t provide your credit card company with proper documentation. “Administrative fees” (the fees rental agencies charge for processing your insurance claims) may also not be covered.
If you didn’t pay for the rental car in full with the credit card, you definitely won’t be covered. Be sure and check to see which driver(s) will be covered. Additional drivers who aren t secondary cardholders on your account may not be covered. There may be other exclusions depending on the issuer.
As you can see, there are quite a few loopholes and fine print which create gaps in coverage. This is why it’s so important to check with your rental car credit card insurance policy (and not rely on this article) to determine the exact coverage you have.
If you don’t have comprehensive insurance on your own car, then I would definitely be skeptical of these secondary insurance coverage policies that credit cards offer. If you do, just know the exclusions. Unfortunately rental companies charge anywhere from $20 to $25 (plus tax!) for each day of insurance coverage if you buy it from them and they ll probably try to sell it to you as the better option.
If you can, try to carry a card that has primary rental car coverage would be to get primary credit card car rental insurance. You don t have many options in 2014, but Diners Club cards offer it, as well as the credit card from United Airlines (and it has excellent rewards, too!).
My second recommendation would be if you have an American Express, you can buy optional primary tour de georgia route insurance for $24.95 per rental from AmEx directly. It covers rentals for up to 42 consecutive days, so, if you’re renting a car for longer than a day, it’s probably cheaper to get it through your AmEx card. The other added benefit is that it is for primary coverage (not secondary) so if you back up into a concrete post, you won’t have to worry about the vehicle repair claim negatively impacting your regular insurance history. The accident won’t even be reported to your regular insurer (as long as the cost of the claim doesn’t exceed your AmEx rental coverage). Don’t have an AmEx card to do this? Then I recommend you check out the highly rewarding no-annual-fee AmEx Blue Cash Everyday .
Just had my only damage claim while using VISA card for rental in Italy. VISA did not want to pay, despite my handing over the final bill with line by line damage costs because they wanted the final actual repair bill from the rental company with itemized costs of actual repairs. They claimed that the statements I submitted didn t have nough information, they need this, then that, no, not that, something more. VISA has agreed to a partial settlement, excluding the tax of 118 euros and an additional charge of 24 euros for another day of rental. It took many months, many copies, many emails, tour de georgia route and I still came out with a loss. As my uncle the famous litigator said: Insurance companies make money by saying No.
Here s a scenario that others need to know. I ve been on the phone with myVISA people twice to find the answer the question tour de georgia route is; If I hire a car in Scotland and stay in in the OK, my VISA will cover what is called the EXCESS after I decline tour de georgia route the CDW. BUT, if I take the car over the ferry to Ireland and have an incident there, my VISA will no longer cover it. I have documents tour de georgia route from VISA that say nothing about that and I ve been misled in the past. I ve driven the Isles 4 times not knowing that and thank goodness I didn t have an incident. To I ll have to hire a car in Ireland and pay that excess myself but not in Scotland. Anyone have any experience with that situation?
I recently got the optional Amex primary coverage. It is great for peace of mind. I was renting for 15 days,so it worked out to about $1.50 a day. Loss of use is included which your regular auto policy tour de georgia route and secondary may not cover. In many states this coverage is available in two tiers, tour de georgia route $100,000 and for a lesser fee $75,000.
I phoned MasterCard (have their smart cash platinum plus card) to confirm coverage and I was told there are certain countries that do not allow the CDW to be waived and that Oz is one of them. Puzzling!
this is also bad because if something happens the credit card will not cover loss of use, administration fees, or importantly replacing the rental at its full value. loss of use and administration tour de georgia route fees can be in the thousands in a week or 2 for a standard sized car. your card says they cover you because how would it look if they said it didn t? I ve been in an accident with a rental and like every other renter I expected my full coverage insurance (car and credit card) to kick in and back me up $23,000 later, I should have taken that little $15 dollars a day from the insurance company. Point is, what makes you think insurance company s want to put out money, they fight high and low to find a reason not to take care of you.
I also work for rental car company and so many people are convinced that their credit card cover some for everything. The people that are the most adament or rude about declining the LDW that is offered by rental agent, are the ones who usually end up with accidents and claims not being covered. while it is completely your options to use your credit card, it is up to you to read all the fine print and know exactly what you have coverage for.
I applaud all these great tips on rental car insurance. From the original author to the twenty years experienced insurance rep and those that are currently going through claims currently. I gotta tell ya , all the times i second guessed my self why have I purchased full coverage every day of the rental, tour de georgia route well I realize it was worth every penny based on some of these horror stories I ve read from you guys. Thanks for reassurance or reinsurance?? LOL Nice.
I recently had a hit and run on my Enterprise tour de georgia route rental car, I was required to pay Enterprise my deductible of $1000.00 it took them over a month to process the claim and come back with the total damages which were around $500, Mastercard took 5 days to process the required documents and issue me a refund for the damages that I paid. Kudos to Mastercard.
Loss of use and administrative are usually waived depending tour de georgia route on the relationship between the rental tour de georgia route car company and your automobile insurance. Make sure that you file a claim with BOTH your CC company and your auto insurance. If your CC company picks up the tab and your insurance company does not pay a dime then your premiums tour de georgia route will not go up. In my case Enterprise/Progressive have an arrangement not to bill loss of use/administrative fees to any Progressive customer and Mastercard picked up the tab for the actual damages
My case is similar to yours, 2 weeks ago I had a hit and run on my Enterprise rental car and I was required to pay Enterprise my deductible of $500. I called Enterprise today and they are still processing my claim. I have already filed claim with my CC company, I have yet to file a claim with my auto insurance company because of concerns of a premium increase. I am thinking about paying out of pocket to avoid that.
In your message you recommend to file a claim with BOTH the CC company and the auto insurance, and you mentioned tour de georgia route that your CC company picked up the tab for the actual damages. I have a question, please: Did you pay Enterprise out of pocket first, and later filed claims with CC company, and your auto insurance company?
My case is similar to yours, 2 weeks ago I had a hit and run on my Enterprise rental car and I was required to pay Enterprise my deductible of $500. I called Enterprise today and they are still processing tour de georgia route my claim. I have already filed claim with my CC company, I have yet to file a claim with my auto insurance company because of concerns of a premium increase. I am thinking about paying out of pocket to avoid that.
In your message you recommend to file a claim with BOTH the CC company