I am passing on some information regarding rental car insurance as we often
rely on renting cars when cruising and away from our car.  Most know that
their auto policy extends coverage to a rented vehicle (always verify).
However, how about the deductible limits that you must pay and the "loss
or income/use" of the rental car while at the shop getting fixed?

We recently had an enterprise rental car "keyed" in a parking lot when in
Hampton that resulted in Enterprise holding back $500 against our credit
card (American Express) pending resolution of the claim.  American express
has been great with this so far putting a hold on the $500 pending
resolution of the claim.  They advised  us that we may not want to report
this to our car insurer USAA as the repair should be within the deductible
and that American Express will cover any "loss of use" and repair up to the
deductible limits of our auto policy.  We recently switch to using our
American Express Card for car rental after discovering that our  Master
Card would not cover the "loss of use" while the damaged rental car is at
the shop for repair.  The claim is in process and we have been assured that
we are covered. I will report the outcome if not happy.

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

Joe
One thing I found out in my investigation is that my current car insurance
policy does NOT cover rental cars in a foreign country (Ft. Edward NY for
example). We travel to Germany every few years to visit relatives.
R.

Our blog is
http://www.SayGood-Bye.com
Youtube channel for the videos
www.youtube.com/user/ralphyost1
Say Good-Bye
41 Defever

-----Original Message-----
From: Great-Loop [mailto:great-loop-bounces@lists.trawlering.com] On Behalf
Of Joseph Pica
Sent: Sunday, October 27, 2013 10:21 AM
To: great-loop@lists.trawlering.com
Subject: GL: Rental Car insurance issues when cruising heads up

I am passing on some information regarding rental car insurance as we often
rely on renting cars when cruising and away from our car.  Most know that
their auto policy extends coverage to a rented vehicle (always verify).
However, how about the deductible limits that you must pay and the "loss or
income/use" of the rental car while at the shop getting fixed?

We recently had an enterprise rental car "keyed" in a parking lot when in
Hampton that resulted in Enterprise holding back $500 against our credit
card (American Express) pending resolution of the claim.  American express
has been great with this so far putting a hold on the $500 pending
resolution of the claim.  They advised  us that we may not want to report
this to our car insurer USAA as the repair should be within the deductible
and that American Express will cover any "loss of use" and repair up to the
deductible limits of our auto policy.  We recently switch to using our
American Express Card for car rental after discovering that our  Master Card
would not cover the "loss of use" while the damaged rental car is at the
shop for repair.  The claim is in process and we have been assured that we
are covered. I will report the outcome if not happy.

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

http://lists.trawlering.com/mailman/listinfo/great-loop_lists.trawlering.com

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Joe
If you have a USAA World Master Card -- loss of use is covered up to the
deductable.. check the USAA website for details.. They also cover most
overseas rentals --exclusions include Ireland, Australia and a couple of
others but Germany looks covered.
Regards
Jim

-----Original Message-----
From: Great-Loop [mailto:great-loop-bounces@lists.trawlering.com] On Behalf
Of Ralph Yost
Sent: Sunday, October 27, 2013 10:34 AM
To: 'Joseph Pica'; great-loop@lists.trawlering.com
Subject: Re: GL: Rental Car insurance issues when cruising heads up

Joe
One thing I found out in my investigation is that my current car insurance
policy does NOT cover rental cars in a foreign country (Ft. Edward NY for
example). We travel to Germany every few years to visit relatives.
R.

Our blog is
http://www.SayGood-Bye.com
Youtube channel for the videos
www.youtube.com/user/ralphyost1
Say Good-Bye
41 Defever

-----Original Message-----
From: Great-Loop [mailto:great-loop-bounces@lists.trawlering.com] On Behalf
Of Joseph Pica
Sent: Sunday, October 27, 2013 10:21 AM
To: great-loop@lists.trawlering.com
Subject: GL: Rental Car insurance issues when cruising heads up

I am passing on some information regarding rental car insurance as we often
rely on renting cars when cruising and away from our car.  Most know that
their auto policy extends coverage to a rented vehicle (always verify).
However, how about the deductible limits that you must pay and the "loss or
income/use" of the rental car while at the shop getting fixed?

We recently had an enterprise rental car "keyed" in a parking lot when in
Hampton that resulted in Enterprise holding back $500 against our credit
card (American Express) pending resolution of the claim.  American express
has been great with this so far putting a hold on the $500 pending
resolution of the claim.  They advised  us that we may not want to report
this to our car insurer USAA as the repair should be within the deductible
and that American Express will cover any "loss of use" and repair up to the
deductible limits of our auto policy.  We recently switch to using our
American Express Card for car rental after discovering that our  Master Card
would not cover the "loss of use" while the damaged rental car is at the
shop for repair.  The claim is in process and we have been assured that we
are covered. I will report the outcome if not happy.

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

--
Joe Pica
Carolyn Ann GH N-37
MTOA #3813, AGLCA #5485
http://carolynann-n37.blogspot.com/

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unsubscribe, etc.) go to:
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That example has nothing to do with insurance. Its merely a dispute between
the rental company and you as to whether or not there was damage.
No insurance involvement in that.
R.

Our blog is
http://www.SayGood-Bye.com
Youtube channel for the videos
www.youtube.com/user/ralphyost1
Say Good-Bye
41 Defever

-----Original Message-----
From: Great-Loop [mailto:great-loop-bounces@lists.trawlering.com] On Behalf
Of John & Judy Gill
Sent: Sunday, October 27, 2013 7:11 PM
To: Bob McLeran
Cc: Greg Han - Allegria; Great Loop
Subject: Re: GL: Rental Car insurance issues when cruising heads up

Bob, Geg and List,

We had a similar experience two Summers ago in Crisfield, MD when we rented
an Enterprise car for two days.  Fortunately we took the Enterprise
insurance even though it cost extra, due to stories from others.  When we
check the car back in, we made sure that the agent went out to inspect the
car with us and nothing was found wrong, nor had we been in any accident.
After arriving home, we were notified that there was a claim against us, but
not to worry because their insurance covered us and we would not be charged.

We protested vehemently because we did not want an accident charged against
us regardless of who was going to pay.  It took some harsh words to finally
get "headquarters" to take the incident off our record.  We were fortunate
that we insisted that the agent inspect the car and put on the rental
agreement that it was returned with no blemishes.

You can't be too careful out there.

John and Judy Gill

Just a couple of comments I can offer regarding rental car coverages.
Disclaimer:  I own a big name car rental franchise, so I am well versed
in what goes on from the back of the house.

About the coverages.  All rental cars come with standard standard state
liability coverage on it.  This varies from state to state. If you
decline all coverages, the car still has basic liability. The only
"insurance" you can purchase is the SUPPLEMENTAL LIABILITY coverage in
the event you need more than standard state minimums for third party
coverage.

Everything else the rental car companies offer is NOT insurance.

The damage coverage, or LDW, is an option you can select which absolves
you from any financial responsibility should the vehicle be damaged
while on rent.  This is not insurance, but merely a release of
financial responsibility.

I always always always recommend you take the LDW.  If something were
to happen, at least you walk away from any financial responsibility for
the car.  If you do not have LDW, you will be charged for any damage
present on the vehicle at check-in, from a door ding, to a rock chip in
the windshield, to full replacement value if you total it out.  Rental
car companies do not care about any coverages you may get through your
credit card or some third party service like Travelocity.  They will get
their car fixed and bill you for it and then it is up to you to hash it
all out with your credit card.

Also, many people erroneously believe that your personal auto insurance
will cover a rental car.  This is not always the case. Usually,
liability transfers with the driver, but collision coverage on a rental
is frequently not there.  Unless your policy specifically provides "DOC"
or Drive Other Car coverage, you probably do not have collision on a
rental.  Either way, the rental car company is not going to play well
with your insurance.  The day you turn in a car with damage, they will
have it removed to the body shop where repair work begins.  A damaged
car is a non-performing asset.  They are not going to wait for two weeks
while your adjuster comes out to check things over.  By the time your
insurance gets involved, the damage is probably repaired, leaving the
adjuster with nothing to adjust.  Remember, rental car companies are
under no obligation to park their asset while the renters insurance
company hee-haws around.

Another time where using your own insurance might not be in your favor
is in the event the car is totaled.  I just dealt with a rather ugly
case last month.  Brand new Hyundai Sonata hybrid. First time out on
rent they got rear ended.  Upon consult with our body shop, we elected
to total the car.  The car had 200 miles on it so it was essentially
brand new.  Customer declined LDW at time of rental.  We billed the
customer replacement value of the vehicle which was just shy of
$30,000.  Customers insurance would only pay $18,400 since that is the
number the adjuster came up with. Customer did not come up with the
difference so they are now facing costly litigation.  A rental car
company is not going to write off a brand new car.  This could have all
been avoided had the renter selected LDW coverage at time of checkout.

Now, lets say that your insurance actually does come forward and pay for
your boo-boo.  Now you have a loss on your record which will likely
affect your rates far more than the cost of a few days of LDW.

Finally, the last point I want to make is if you are renting in a
foreign country, ALWAYS take their coverage.  Personal domestic auto
insurance almost never transfers in a foreign rental situation.  If you
end up with a claim that you dispute, you will be fighting with a
foreign rental company, dealing with awkward policies, language
barriers, different currencies, etc.  Not a good position to be in.

Just a few points to ponder regarding this topic.  When I rent a car, I
always take the damage coverage.  Standard state liability is always
provided with the car.  SLI is only necessary should you need up to $1M
of additional liability.  Personal accident and personal effects
coverage is generally "fluff" and not usually necessary.

Happy Renting!

-Ryan

Good information, Ryan, thanks.
One question, though: when you are rear ended, isn't the driver of the second car almost always liable?

Wade Ehlen
36 MT Shady Lady

On Mon, 10/28/13, Ryan R. Healy ryan.healy@healyautogroup.com wrote:

Subject: Re: GL: Rental Car insurance issues when cruising heads up
To:
Cc: "'Great Loop'" great-loop@lists.trawlering.com
Date: Monday, October 28, 2013, 12:07 PM

Just a couple of comments I can offer
regarding rental car coverages.  Disclaimer:  I
own a big name car rental franchise, so I am well versed in
what goes on from the back of the house.

About the coverages.  All rental cars come with
standard standard state liability coverage on it.  This
varies from state to state. If you decline all coverages,
the car still has basic liability. The only "insurance" you
can purchase is the SUPPLEMENTAL LIABILITY coverage in the
event you need more than standard state minimums for third
party coverage.

Everything else the rental car companies offer is NOT
insurance.

The damage coverage, or LDW, is an option you can select
which absolves you from any financial responsibility should
the vehicle be damaged while on rent.  This is not
insurance, but merely a release of financial
responsibility.

I always always always recommend you take the LDW. 
If something were to happen, at least you walk away from any
financial responsibility for the car.  If you do not
have LDW, you will be charged for any damage present on the
vehicle at check-in, from a door ding, to a rock chip in the
windshield, to full replacement value if you total it
out.  Rental car companies do not care about any
coverages you may get through your credit card or some third
party service like Travelocity.  They will get their
car fixed and bill you for it and then it is up to you to
hash it all out with your credit card.

Also, many people erroneously believe that your personal
auto insurance will cover a rental car.  This is not
always the case. Usually, liability transfers with the
driver, but collision coverage on a rental is frequently not
there.  Unless your policy specifically provides "DOC"
or Drive Other Car coverage, you probably do not have
collision on a rental.  Either way, the rental car
company is not going to play well with your insurance. 
The day you turn in a car with damage, they will have it
removed to the body shop where repair work begins.  A
damaged car is a non-performing asset.  They are not
going to wait for two weeks while your adjuster comes out to
check things over.  By the time your insurance gets
involved, the damage is probably repaired, leaving the
adjuster with nothing to adjust.  Remember, rental car
companies are under no obligation to park their asset while
the renters insurance company hee-haws around.

Another time where using your own insurance might not be in
your favor is in the event the car is totaled.  I just
dealt with a rather ugly case last month.  Brand new
Hyundai Sonata hybrid. First time out on rent they got rear
ended.  Upon consult with our body shop, we elected to
total the car.  The car had 200 miles on it so it was
essentially brand new.  Customer declined LDW at time
of rental.  We billed the customer replacement value of
the vehicle which was just shy of $30,000.  Customers
insurance would only pay $18,400 since that is the number
the adjuster came up with. Customer did not come up with the
difference so they are now facing costly litigation.  A
rental car company is not going to write off a brand new
car.  This could have all been avoided had the renter
selected LDW coverage at time of checkout.

Now, lets say that your insurance actually does come forward
and pay for your boo-boo.  Now you have a loss on your
record which will likely affect your rates far more than the
cost of a few days of LDW.

Finally, the last point I want to make is if you are renting
in a foreign country, ALWAYS take their coverage. 
Personal domestic auto insurance almost never transfers in a
foreign rental situation.  If you end up with a claim
that you dispute, you will be fighting with a foreign rental
company, dealing with awkward policies, language barriers,
different currencies, etc.  Not a good position to be
in.

Just a few points to ponder regarding this topic.  When
I rent a car, I always take the damage coverage. 
Standard state liability is always provided with the
car.  SLI is only necessary should you need up to $1M
of additional liability.  Personal accident and
personal effects coverage is generally "fluff" and not
usually necessary.

Happy Renting!

-Ryan

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address,
unsubscribe, etc.) go to: http://lists.trawlering.com/mailman/options/great-loop_lists.trawlering.com