#rentalcarinsurance

[mymoneymyquotes]

Do I need to buy rental car insurance?

Rental car insurance protects you against the payments of repairs if you had an accident in a rental car. It doesn’t matter where you purchased rental car insurance. You can purchase insurance from the rental agency and can use your own insurance policy.

[peakesinsuranceblog]

When looking into rental automobiles, a car accident can be the last thing on your mind. However, the rental car representative will undoubtedly bring it up when you pick up your automobile. Do you understand which types of coverage to accept and which to reject?

Before you go to the rental car counter, you must do your homework and determine your insurance and credit card coverage. Otherwise, you can face severe issues if you get into a car accident while driving your rental.  Here is all you need to know about rental car insurance.

[almostasenior]

Traveling by train was our first choice for the six day journey from Germany to Czech Republic to Salzburg and then on to Munich.  After calculating the hours on the train, connections, toting luggage,  four of us decided that renting a car might be the better choice.

We started by checking websites but ended up at the office of a major franchise in the local town we were staying.  Adding the optional super insurance,  two drivers, diesel, and the boarder crossing fee we were sold on the plan.  The four of us, all seniors took the car and headed out.

The one thing we did not think about was the parking fees in each city.  The least expensive was in Munich was 30 Euro per day.

On our last day in Munich I left everyone at the airport which in the GPS is listed as München.  It took a few tries to find it.  The rental car was due back by 2 PM or another day would be charged to the account.  I headed that way and arrived at 1:40 PM.  I did a quick pick up inside the car before exiting not concerned because it looked to me like a vehicle should look after six days of use.

I worked with the lady at the desk to finallize the paperwork while a second lady went out to check the car.  My conversation at the time of pick up went something like “the super insurance will cover everything even if you tow it back to the lot”.  The charge for the insurance was two hundred and two euros.

The inspector came back inside and said “you trashed the car”.  I asked if she was looking at the white SUV parked in the front.  Yes, was her reply.  I put the return on hold and walked back out to check it myself.  I removed one empty water bottle and three candy wrappers.  I also saw grass on the carpet from our shoes and that’s it.  I removed the bottle and wrappers and put them in a bag.  I went back into the office and said that I did not think that was beyond reasonable wear for six days. After a few heated exhanges she said the charge would be one hundred euros to clean it.

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That charge seemed absolutely ridiculous to me, so I took the key back. I sarcastically  asked them how much they charge  to throw away the bag with the four items.

So here is the list to trash a car:

Drive in the rain

Enter the car with your shoes on

Leave snack packs in the side door pockets

Returning home I called the customer service line but after speaking with three different people no one could help because the agreement is still open.  The office of the inspector closed before I could get back from the car wash and vacuum.  So either way they got me.  My daughter went to trip advisor and I am not alone.  Others posted the same complaint.

Tomorrow when they open back up should be exciting so stay tuned.  I’ll be there at 9 am sharp unless the hotel I checked out of in Munich calls and asks me to return to make the beds before they clear my credit card deposit.

Alice

    Three Ways To Trash A Rental Car Traveling by train was our first choice for the six day journey from Germany to Czech Republic to Salzburg and then on to Munich.  

[ezswitchinsurance-blog]

Should You Purchase Insurance When You Rent A Car? #rentalcarinsurance #enterpriserentacar #hertzrentacar #insurance We've all been there.  Whether at a stand-alone Enterprise Car Rental Office or at the Hertz Rental Car desk at the Airport. 

[applegateinsuranceagency]

Rental Car Insurance: Not a No-Brainer

Do I really need to purchase it?

What Coverage Does the Rental Car Company Offer?

Let’s first address the fact that most rental car “coverage” is not actually insurance at all, rather a selection of waivers and “additional coverage” that may supplement your current car insurance policy or provide front-line coverage where you have none in place. Here are the basic offerings:

Collision Damage Waiver – waives your liability for damages to the rental car caused by collision while you are responsible for it. Think of this as the “collision” coverage on your car insurance policy.

Loss Damage Waiver – waives your liability for damages to the rental car caused by something other than a collision. This is the equivalent of comprehensive coverage (also known as “other than collision”) on your car insurance policy.

[What is the difference between collision and comprehensive coverage?]

Personal Accident Insurance – this is similar to medical payments or personal injury protection on an auto insurance policy. This would cover medical and ambulance expenses that may result for you or your passengers in the event of an auto accident.

Roadside Assistance – Again, similar to roadside assistance offered by most insurers. We’re talking flats, running out of gas and locking your keys in the car.

Supplemental Liability – Don’t fall for this one. While TTAI usually never instructs our readers NOT to purchase liability car insurance coverage, your best bet is to maximize the liability on your current auto policy, which may cost less per year than you’ll pay for a few days coverage in the rental car.

Theft Prevention – This is coverage for your personal items while they are in your car. This is not necessary if you have a homeowners or renters insurance policy, as your personal items are covered by both of those policies if insured properly. Believing the contents of your car are insured by your auto insurance policy is a common insurance myth.

As you can see, most of these options are unnecessary if you already have proper insurance. The rental car company simply rakes in cash by offering ultra-expensive “add-ons.”

The reality is you can probably statistically “get away” without paying through the nose for all of extra options the rental car company will try to shove down your throat. That is, if you already have an auto insurance policy in-force.