NOT TRUE! I was denied a car. They did not care if I had my own insurance. FACT: Stick with the national rental companies. Cost more but they will rent you a car.
Yeah don't listen to this guy. You need to check your own insurance policy and credit card policy very carefully for coverage on rental cars. They do not all include coverage. In fact most do not.
As a rental car company employee this is gold- never gonna push an additional protection on a customer if the customer knows their personal coverage adequately protects them
Problem is most customers have no idea what their policy covers. 40% of the claims we file are denied. In 8 years I have only seen 1 insurance claim fully cover damage to a rental car
agreed with you... car insurance wont cover for rental unless you buy full coverage. If not, u want to REJECT CDW and accept Liablity . The only thing u want to buy is liablity at the counter. CDW, Road side assistance or personal loss will cover by your credit card
Insurance doesn’t cover Loss of Use, but the rental car agency’s damage waiver does. Don’t get insurance advice from someone who isn’t licensed. Call your agent and check your coverage!
I had to pay out of pocket for a pot hole that ruined two tires. Plus over $800 in towing. Then I had to file a claim through both. Then get my money back weeks later. Plus my insurance rate went up, due to filing a claim. I should have gotten the waver.
Take photos/video when you turn-in rental cars, and be sure to include a PHOTO/video OF the FULL GAS TANK if you filled it up yourself (and keep your gasoline receipt!! There was this new rental car company I tried out in Los Angeles LAX, and the car return attendant tried to charge me $89 for refilling my "empty gas tank"; but luckily I'd taken a full video of my car along with showing the full gas tank view and submitted that to customer service, and they didn't charge me. SNEAKY DECEPTIVE people.
Hello rental car agent of 5 years here and I always take the lost damage wavier when I rent, because it will cover you on all damage. Example: if someone hits you or if you hit someone. Full coverage I don’t usually take because it just covers the car if it was stolen, or if something happens to the tires. LDW also isn’t $50 dollar a day lmao.
@@movingonandup322 By taking out the LDW, you're wavering any damages caused to the rental car, providing you haven't violated the terms of the policy.
I work for dollar, do you think you can help me improve on my sales I’d love to make a group chat on social or something where all csr’s can help eachother out with our sales and tips!!
Dont listen theres not a insurance company in the world that covers "loss of use" always take the waiver if your unsure. You can roll the car off the cliff and not have to pay 1$ in damages to the car
This is misleading. Sooooooo ... 1) You have to have the right credit card, specifically one that has primary coverage. Most cards that offer coverage only offer secondary which comes after anything that is not covered by your insurance. 2) Call your insurance rep. Unless you have insurance for your personal vehicle and not just liability you most likely won't be covered. Or in situations where you own a corolla and are renting a minivan or suv, your insurance might only cover up to the same comparable vehicle you have. In addition he does not mention Loss of Use which insurance rarely covers. Loss of use is basically the daily charge that the rental company adds for every day the vehicle is in the repair shop. Read the fine print....
Yeah I wouldn’t advise a person renting a car to use your own insurance policy anything that happens with go on your policy and increase your insurance policy either take their coverage you don’t even need to tell them what happened unless the car was stolen or use your credit card. And I work for hertz
$40… PER DAY. Doubles the cost of the rental in many cases. So your saying “I’d just pay double, not worth the risk”. Maybe you can’t afford double. So now it’s “I’ll just stay home, not worth the risk” 😂
I’ve seen about 10-15 customers over the years that have been royally screwed by thinking their credit card covers them on a rental car. Turns out actually getting them to cover it vs saying they will is a huge difference. Anywhere from 80-95 percent of the claims filed to credit card company’s are denied due to the fact that they will find a way to say you broke the contract(for example if at all you drove on a gravel road, could even be construction on a major highway and they would void the coverage) best advice actually find out what they do cover and what they don’t cover. Just bc a commercial says your good doesn’t mean it’s always true.
American express has Premium car rental protections, all you have to do is enable it, and it costs around 15 dollars for up to 42 days, not 15 a day but for 42 consecutives days.
Unfortunately most credit cards have deleted the rental car coverage. Only some Amex cards (With $600 annual fee) still offer rental car coverage). Check before you rent a car and decline coverage.
You mean most mid tier cards only offer secondary not primary. Which means they will cover everything your insurance won't pick up. Now you elite credit cards like venture x and amex gold or platinum or just about any travel card with high yearly membership fee will have primary coverage meaning they will pay up front without your insurance company even knowing.
@@odell2970 does that mean if you are at fault and your insurance company does not have to know and your credit card covers the damages, then it does not affect your driving history and does not cause your insurance premiums to go up?
@@jmat7103 only if your card has primary insurance coverage not secondary. As long as your card has primary coverage you will not need to file a claim with your insurance. If your card has secondary coverage you will need to file a claim with your insurance company.
What you fail to mention is your personal insurance’s deductible. With most car rental insurances average price for coverage being $30 a day, a 7 day rental of $210 in insurance is better than having to pay a $500 deductible or even higher deductible for some people and even possibly increasing your monthly rate. Always buy the insurance on a vehicle you’re renting.
I used to work for entreprise rent a car. I sold the sh!t out of rental insurance It bailed me out too because I wrecked one of their vehicles, so I know it works lol. People freakout when they found out their little credit card insurance and own insurance denied their coverage. Not only that, if your deductible was super high. It would of been cheaper just to get the insurance for a few days than spend a grand on a deductible to cover a 20k car. This hit people in the face if people rented a vehicle when a hurricane 🌀 was coming through and they knew their ass was on the hook! Panic set in. oh shit, so we find out your insurance did not cover flooding? ouch!
Bro I work for dollar you think I can help me improve my sales?!👀 I have trouble convincing people with “full coverage” that is coverage for the other person not their vehicle😭
Take a pic of your gas meter too. Returned a rental car with a full tank and they tried to charge me because they claimed that i didn't fill it up all the way. I showed them the pic and they apologized. Rental guy must’ve drove to another lot or something before turning in paperwork.
As an Enterprise Empolyee we still pursue your personal insurance and take your deductible, we don’t care about credit card coverage, you do that on your own accord not ours
@@bobcatsfan65 lmao as an enterprise employee in NY I’ve seen this first hand and worst of all the denial came in the form of the credit card rep saying no we don’t cover that on loud speaker lol 3,500 dollars worth of damages
On the other hand, you won’t be liable for any damage. The amount of headache you have to go through to put a claim especially with a rental car is annoying and isn’t worth it. It’s peace of mind that if anything happen you just walk away. It’s 100% worth it.
What people fail to realize is if the person purposely hit you… most insurance companies don’t cover cost… also ($40) usually include liability which with hertz covers $1 million in damages
Make sure you check policy limitations. If you drive a 2020 malibu and opt for that escalade your policy may only cover up to the value of your vehicle. Same as such with your card.
Yeah bro I work at enterprise , this explanation is terrible. Don’t forget to check if your insurance covers loss of use and don’t be surprised if your insurance increases your policy
Yeah I got full coverage with a rental company and some black lady hit me at a gas station... and started claiming that i hit her somehow and playing the victim card... I called the insurance, and they said, "No need to worry, you're covered. You don't need to take a picture or take any info." Skip to a month later where my personal insurance is calling me saying I'm liable all because the rental company didn't provide any info back or report the accident... leaving me with nothing but being liable... its pathetic
Enterprise’s protection products are there to ensure we don’t file a claim with your insurance, collect your deductible, or raise any of your premiums. Our damage waiver (depending on locations) is $30/day for cars and $35/day for premium vehicles and SUVS. DW is voided if an unauthorized person was driving the vehicle and wrecked, driving under the influence, if you were arrested, or if you were negligent. Roadside Assistance covers your basic needs and covers if you lose the keys. Supplemental Liability covers if you hit someone or their property up to $300,000 in damages and even death possibly. Personal Effects Coverage covers if someone breaks into the vehicle and steals your personal belongings when you’re in or away from the rental. We don’t scam you. It’s entirely up to you whether or not you chose to go through us to protect the vehicle for you.
If you take cdw and there’s damage they won’t go after your insurance company so your insurance rates won’t go up for a claim . Also in many cases the credit card company won’t make a decision on payment till they have someone inspect the vehicle . So in the mean time you are getting the rack rate added to potential total . Many CC try to deny the claim . Courts tend to agree with documented details . At most airports there’s tons of cameras that are videoing the car before you leave the facility and there’s even cameras recording your return to facility.
Except when your car insurance jacks up your rate after you have a claim…happened once and I’ll never do it again. I get the cdw and liability and then nothing comes after me or my insurance
Same things with cell phones. They will reimburse you if your phone is stolen. Thats why phone companies want you to use a debit card for a discount but if you use a credit card they wont. They do it so u can buy their insurance
Here’s better advice. ALWAYS travel with a copy of your insurance declaration page regardless if it’s through your car insurance or credit card. Car rental companies want to make money and the latest trick I’ve seen is where they ask to see your declaration page (electronic or paper, whatever floats your boat). Of course the average person doesn’t have it nor are they able to find it online so they’re essentially “forced” to pay out of pocket for additional insurance they already have. Safe travels y’all!
I have Discover and MasterCard (via Ulta) and neither credit card company covers rental cars. Usually its for the black card members who have like 15K limits etc. I always get the waiver. Its more pricey but its worth it. One time the windshield on my rental car had a crack in it. Not sure what happened but I didn't pay anything out of pocket for that crack. My dad on the other hand cheaps out and he got side swiped by another car. He had to replace their side mirror for $300. So, I say go for the insurance unless your CC covers it, your personal policy covers it or you're balling lol
It's best to have peace of mind, just pay for the extra coverage. It's like trying to save $20 on a connection flight instead of flying direct then ended up wasting your whole day, not worth it.
Not all credit cards or insurance companies cover loss of use, administrative fees and the fact that your premiums may go up. I would opt in for the DW.
You still would have to pay everyday that the car is in the shop and not being rented regardless and the added insurance is so that if you get in a accident with the rental but still need a rental, the rental agency will give you another vehicle no questions asked and you won’t be paying a deductible on the accident you had on the rental through your insurance.
Not good advice. Primary goes to your insurance and card acts as a secondary but it’s not end all be all. Still have to file a claim, premiums still likely go up and any kind of towing charging 99% of the time would not be covered. Not to mention that insurance policies and credit card can vary greatly, so exactly what’s covered and what type of vehicle you were driving could lead to minimal help from insurance. Always take the rental insurance if you can afford it but stick with your own liability and other stuff
You have to pay everything out of your pocket and wait for the insurance to reimburse and remember you are not in the same country and this will take time and stress you out. I always take full insurance for ease of mind and if I book the car online I do it without the online insurance, take the insurance directly from the supplier and you will not pay an extra penny
I have my personal insurance setup to be able to drive any car, regardless of who owns it, with full collision, maxed out for everything else including uninsured driver, passenger, property, etc and I have a $100 deductible. Covers me in a car worth up to $150k. My wife and I together are $130 a month lol I do have some rental insurance on the credit card I rent with too, but I don’t rely on it. It’s a back up.
Not necessarily, credit card companies don’t cover for uninsured or underinsured motorists or liability if you hit a 3rd party. So if you get into an accident that’s your fault or someone hits you that’s not fully insured, you aren’t getting reimbursed plus you insurance policy goes up either way when you get into an accident whether you are at fault or not. Credit cards don’t reimburse you for you monthly policy going up for 6 months. In the long run, you are still paying more when you could just pay the protections at the rental car place. I work in insurance so I know…
Even if your credit card has insurance, you the rental company will still charge you and you have to wait for the reimbursement from the credit card company. Personally thats too much of a hassle for me so i’d opt for the zero liability coverage.
You forgot to mention, loss of use the company will charge, no DC or personal insurance covers that, and most DC now don't cover car rentals,. If your drive a beater with pip, that insurance will do nothing on a rental. Scrap advice here
Not all credit cards cover rental car insurance only select cards do, so please do your own personal research and pay with the card that has rental coverage.
And always check your contract after you leave the facility. Some car rental reps are assholes and will still add their insurance without you noticing it and you will have a hard time trying to get a refund.
pls don't listen to him. take the coverage. your credit card loss of use will automatically be voided if you use your insurance for any damages or loss of use
You didn’t mention loss of use and liability insurance, most cards if not all do not have that. Basically check with your insurance on these. Also if this is a business rental will your personal ins cover? What about vehicles larger than 8 passenger? Those transit 12 pax are popular with large groups. Cards don’t cover them. Better be safe than sorry.
How much will your insurance cover though? If you drive into someone’s Mercedes Benz and it costs 50,000 in repairs. Then your insurance only covers 30,000 your screwed then.
Ya but your personal car insurance has a deductible of either 500 to a thousand per claim. But since you think your smart paying 500 for a something that only costs a hundred and something to fix but your contract either way they win . But since you think it is so much smarter to go thru your insurance do it I’m sure it won’t go up .
Car insurance doesn’t cover rental cars lol. The rental car coverage you pay for on your policy is if you’re in an accident and you need a rental because of said accident. 99% of credit card coverage only goes into effect after you’ve expended your liability of your auto insurance policy.
Not quite. AMEX card has the option for premium rental coverage, which works as a primary insurance only for $19 per rental period vs $40 per day they ask at rentals.
Let me tell you I work im customer service and I cant count how many times customers come up with shit like this cause there trying to be smart or cheap and end up crying and bitching cause their credit card or insurance did not want to cover damage expenses
First mistake don’t rent a car from hertz lol enterprise holdings is supreme 🤑🤑 we do mite the market share and actually take care of customers unlike the inferior competition!
@@Capncook904 nah bro, I travel all around the world and never paid over $14 a day for rental car insurance. I just left Sydney, Australia two weeks ago and even tho I didn't rent a car I do know it wasn't $40 a day for rental car insurance there.
7 месяцев назад
@@odell2970depends on what car you rent and where you are, apparently. Especially Spain (Balearic Islands, Canaries) seems to be quite expensive, likely due to stuff happening all the time there.
Exactly agree with you! Holiday is worried free 😎😎 People go on holiday so of course spend the money. No money better not holiday then cheapskates holiday, just got headache.
Make sure to read fine prints. Ontario man just got his ram 1500 stolen and cc company refused to pay as it didn't have the coverage f9r stolen cars. He's stuck with 82k candian dollars
dont do it lol u will end up owing the money for the car and legally they can’t close out your contract til damages or there n police report has been made so ur going to be legally responsible for the car. the best option is to buy the daily rate
If you’re 18 you can’t rent a car, you have to be 21years of age or older. What a dumb ass law. Florida speaking here..I’m in collision and you would be shocked how many times I’ve seen 18-20 yr olds not being able to get a rental even though the insurance company takes their money every month for coverage for a rental car in case of a collision. Such bs man…I’ve seen young adults who aren’t 21 yet who have no family in the area simply stuck! Had to Uber everywhere even though they paid for that exact coverage.
Definitely not how it works credit card company will not cover anything your insurance doesn’t and let alone reimbursement for a claim already paid out by an insurance company, also what you missed out was the time hassle that process takes your better off purchasing the the damage waiver besides who wants a rental claim on their license for 7 years not this guy
I'd call them/your broker and ask what exactly your coverage on rentals is if I were you. Personally I just buy the waiver when I rent stuff but that's just me. Never done damage to a rental (well maybe burned a bit of the tires off :) but the day it happens I don't want to deal with my personal insurance
