Car Rental and insurance question

[anon_snp6dc585nnj4]

Most major credit cards offer secondary insurance (damage not liability) coverage to your regular auto insurance policy, aka extra what they won't pick up. If you don't have insurance I have read they will cover as primary. Does this sound right?

 

[markfromj]

It does not to me.

 

[The Tradition]

Your auto insurance policy might provide coverage, too. Contact your agent and the credit card company for details. The insurance they sell you at the car rental counter is expensive. Don't buy unless you really are uncovered any other way.

 

[Hoosierhawkeye]

Doesn't sound right to me either. If you don't have your own insurance then you probably are gonna have to buy the rental car company's insurance.

 

[IACub]

I just had this conversation with a claims person at State Farm last week. My car got rear-ended and I'll have a rental for a few weeks. The State Farm rep told me that I'm covered and I do not need to get the extra coverage they offer, regardless of how they phrase it. I'd double check with your agent, but you should be covered.

 

[IACub]

Or did I read that wrong and reply to something else entirely???

 

[ChrisVarick]

No. The credit card coverage is supplemental because it is very unlikely it will need to kick in with your regular auto insurance. It will not cover you if you are lacking the primary auto insurance. That is a fact.

 

[The Tradition]

No. The credit card coverage is supplemental because it is very unlikely it will need to kick in with your regular auto insurance. It will not cover you if you are lacking the primary auto insurance. That is a fact.

It is NOT that cut and dried. Different credit card companies have different benefits. The only way to know for sure is to call your credit card company.

http://www.nerdwallet.com/blog/credit-card-benefits/rental-car-insurance/

 

[aflachawk]

I just had this conversation with a claims person at State Farm last week. My car got rear-ended and I'll have a rental for a few weeks. The State Farm rep told me that I'm covered and I do not need to get the extra coverage they offer, regardless of how they phrase it. I'd double check with your agent, but you should be covered.

you are covered except for your regular deductible on your auto policy

 

[Chewback]

Visa and Mastercard:

Includes Physical damage, theft, loss of use*, towing

Excludes Injury, liability, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear

Both are secondary to your regular car insurance. If you don't have regular car insurance, you should probably get the rental car company's insurance or the excluded items could get expensive.

 

[Lone Clone]

Most major credit cards offer secondary insurance (damage not liability) coverage to your regular auto insurance policy, aka extra what they won't pick up. If you don't have insurance I have read they will cover as primary. Does this sound right?

My credit cards - and I think most of them -- offer car insurance for foreign rentals if you pay for the rental with the card. A lot of people don't realize that if they rent a car outside the U.S., their auto policy doesn't cover them.

I have never heard of a card offering auto insurance inside the U.S., but I haven't looked for it in the literature or had any reason to ask anybody, so I'm not saying it isn't true. But I don't think it's true.

 

[anon_snp6dc585nnj4]

Just got off the phone with CC company, even though it is secondary since I don't have auto insurance (no car anymore) they cover primary for theft/damage. Liability yes isn't covered. Rental car agencies are required to cover the state's minimum liability in their rental rates. The add-on supplemental liability seems like a scam or added protection that is needed. Unless you suck at driving.

 

[aflachawk]

My credit cards - and I think most of them -- offer car insurance for foreign rentals if you pay for the rental with the card. A lot of people don't realize that if they rent a car outside the U.S., their auto policy doesn't cover them.

I have never heard of a card offering auto insurance inside the U.S., but I haven't looked for it in the literature or had any reason to ask anybody, so I'm not saying it isn't true. But I don't think it's true.

You are not covered in Mexico either but you are in Canada

 

[Catfish_ Crazy]

Just got off the phone with CC company, even though it is secondary since I don't have auto insurance (no car anymore) they cover primary for theft/damage. Liability yes isn't covered. Rental car agencies are required to cover the state's minimum liability in their r ental rates. The add-on supplemental liability seems like a scam or added protection that is needed. Unless you suck at driving.

What happened to the Honda Fit?

 

[ghost80]

Neither my own auto insurance nor my CC supplimental covers loss of income while a rental was damaged waiting to be repaired and placed back into service.

This isn't going to sway me into buying the rental insurance but it is good to know in case of an accident. If I did have an accident I'd definitely be more proactive about that type of charge instead of suddenly seeing it appear on my credit card after the fact.

 

[Lone Clone]

You are not covered in Mexico either but you are in Canada

I was covered with my own car in Canada. I didn't ask if I would have been covered for a rental.

 

[Chewback]

Geezus. As per usual in an HROT thread most of you have no idea what you're talking about..

 

[Catfish_ Crazy]

Geezus. As per usual in an HROT thread most of you have no idea what you're talking about..

Exactly, I believe I would consult with my auto insurance, credit card & rental insurance before I would trust some anonymous poster on HROT.

 

[The Tradition]

Exactly, I believe I would consult with my auto insurance, credit card & rental insurance before I would trust some anonymous poster on HROT.

Aw, c'mon... where's the fun in doing all that? You'll probably just speak with someone in Pakistan whose word is in no way whatsoever binding.