I firmly and politely said no, thank you. In my case, it would have nearly doubled the price of my rental. I have personal auto insurance and was vaguely confident the credit card I used to rent the car, a Chase Sapphire Preferred card, offered some kind of coverage. Besides, I thought, nothing had ever gone wrong. One minute I was on my way to an afternoon tasting on a Kona coffee farm, the next I was on a rocky shoulder with two flat tires in an area with no cellphone service and few houses, trying to find some way to call for help. In the ensuing hours and days, I learned some valuable lessons about what happens when you damage your rental car. Of the umbrella of insurances Hertz tries to sell you, the one you need to pay attention to is the loss damage waiver, which covers damage to the vehicle.
Hertz would demand remuneration, be it out of my pocket or through personal auto, credit card or other insurance. If you have personal car insurance with comprehensive and liability, it most likely will cover your rental car. Call your insurance company to verify.
Filing a hefty claim with your insurance, keep in mind, will probably raise your premium.
Credit card rental car insurance can be primary or secondary. The coverage offered by my Chase Sapphire Preferred card is primary, and offers reimbursement up to the value of the car if the car is damaged or stolen. It does not cover personal liability — that is, if you or someone else gets hurt.
Budget car rental insurance florida
Some cards, like the American Express Platinum Card, offer limited personal liability. Do you need that much coverage? Probably not.
Supplemental Liability Insurance protects you and all authorized drivers Disclosures Regarding Supplemental Liability Insurance In the State of Florida. States require car rental companies to carry insurance on their vehicles. Liability Insurance Supplement coverage pursuant to Florida state. Answer 1 of I have rented cars in Florida quite a few times now. Last year that I purchase insurance from the rental agency--even though I have primary insurance coverage from my It was Budget in the Tampa airport.
Are there times when it makes sense? Sure, especially if you have a high deductible.Budget Rent a Car Reviews
Instead of using Hertz roadside assistance to tow my car which would have cost hundreds of dollarsI used my own AAA Plus membership, which provides up to four free tows per year, up to miles each. The AAA Plus membership has other benefits too, like flat tire service — provided you have only one flat tire. In my case, with two flat tires, they would only tow my car. Note that this applies within the 50 states — overseas it becomes trickier. There are international auto clubssome of which offer reciprocal services.
I returned home, smarting from the additional cost but happy little else was damaged but my pride. Then, nine days after the incident, I received an email with a lengthy attachment from a collections specialist at Hertz informing me that, upon further review, two wheels on my rental were scraped and needed to be replaced.
9 Nasty Truths About Car Rental Insurance
The bill? In the event your credit card claim is denied, you may find yourself calling your personal insurance provider months after the fact.
Even though I was using my credit card as primary insurance, I called Geico to let them know what happened with my rental. They then filed their own report without starting an actual claim.
Word of warning: In terms of people who live in the US who own cars - you probably have an amount of insurance coverage you find appropriate. The world is a pretty small place these days when it comes to getting and collecting judgments overseas. Also - although car rental insurance of various types can be expensive - insurance is often a lot less than other "add ons".
Like local taxes and fees. Third - I know some people poo-poo things like taking collision damage waivers. After some incidents where our rental cars got dinged in pretty major ways once by a hotel valet - we just decided to pay the rental companies the ransom they were asking for. Who wants to end a vacation paying a rental car company for car damage - and then hassling with a credit card company to get reimbursed?
Life is too short IMO. BTW - we have rented from Hertz exclusively since And - when we had to drive home to Florida - when we were able to get out of Manhattan to Newark Airport to rent a car the planes weren't flying - Hertz charged us the normal daily rental fees out of Newark with no drop off charges.
On my part - it earned a customer for life much like Home Depot did because it didn't gouge us for stuff after Hurricane Andrew - it just charged its regular prices. I don't often remember the cheapest. This topic has been closed to new posts due to inactivity. We hope you'll join the conversation by posting to an open topic or starting a new one.
The Frugal Traveler learned some valuable lessons about what happens when you damage your rental car. (7 min read) Car rental insurance may be overpriced, but waive it, and the car rental companies will go to great lengths to make you pay for. Loss Damage Waiver (LDW) is not insurance and is not mandatory. FLORIDA : Return of Car. Failure to return rental property or equipment upon expiration.
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Loss Damage Waiver (LDW) LDW is an option that relieves you of financial responsibility if your rental car is damaged or stolen. Supplemental Liability Insurance protects you and all authorized drivers against third-party injury and property-damage claims, available for around $ When you look for a price for car hire you need to understand what is included in the Some customers may be covered through other insurance policies and. The collision damage waiver or loss damage waiver offered by the rental car car company, don't let buyer's remorse ruin your vacation (and your budget).
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For the last time: Car rental coverage is not mandatory
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