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Old 11-23-2015, 07:49 AM   #21
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you have to be very careful with credit card insurance protection whwen you rent.

most cards will cover loss of use but there is a catch .

they require a utilization report from the rental company .

if they had 9 other same cars on the lot and 7 were not rented out they will not pay but you are still on the hook .

most rental car company's consider utilization top secret info . they do not want competitors knowing hat is their hot cars and so they do not provide these reports even if required .

credit card company's know this so they can offer you all kinds of protection knowing damn well they have an out .
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Old 11-23-2015, 08:38 AM   #22
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Originally Posted by Mulligan View Post
I rent a vehicle maybe once a year for 3-4 days tops. I do what everyone says is dumb but I do it anyways. I buy the $15 daily rip off walk away insurance. Its $50 piece of mind for me. If I brought the car back in 5 pieces I wouldn't care and would not have to be bothered with some rental company coming back at me with any bogus or inflated costs.


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Thats not true. You are responsible for the time the vehicle is under repair. If the vehicle rents for $30/day and it takes 10 days to fix in the shop...you would be responsible for $300. Its a dirty little secret they do not disclose.

Still...If there is $3500 in damages you would be off the hook for that. If you have a low deductible on your current insurance policy...no need to use rental car insurance.
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Old 11-23-2015, 10:07 AM   #23
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Thats not true. You are responsible for the time the vehicle is under repair. If the vehicle rents for $30/day and it takes 10 days to fix in the shop...you would be responsible for $300. Its a dirty little secret they do not disclose. ....
Boy, that's really a double standard! Every warranty on every product I've ever seen includes some language that they cover the cost of the product, but not labor, other parts or losses. So if your tile cement fails, and you need to buy new tile and reinstall it, they'll give you the $15 cost of the cement, not the cost to re-do the job.

But these rental companies want that level of coverage, lost wages etc? Any way to fight that, it just seems crazy?

-ERD50
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Old 11-23-2015, 10:25 AM   #24
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But these rental companies want that level of coverage, lost wages etc? Any way to fight that, it just seems crazy?

-ERD50
Yeah its nuts. I know amex offers some kind of rental protection that you pay around $25 each time you rent a car. Not sure if that separate coverage covers this as well. I should probably look into that. I actually used to use this amex protection then just gave up a couple years ago.

edit: it appears the amex premium coverage does cover loss of use as well.

"American Express holders should seriously consider subscribing to the company's Premium Car Rental Protection package. Standard cardholders are sometimes alarmed to learn that the automatic coverage can be a bit scanty. We're big fans of the aforementioned premium plan offered by American Express. This policy, a bargain at $24.95 for the rental period (some time restrictions apply), explicitly states that it will cover you in case of loss-of-use, with stipulations that are similar to Visa's. Make sure to read the paperwork they'll send you when you sign up."
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Old 11-23-2015, 12:42 PM   #25
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Boy, that's really a double standard! Every warranty on every product I've ever seen includes some language that they cover the cost of the product, but not labor, other parts or losses. So if your tile cement fails, and you need to buy new tile and reinstall it, they'll give you the $15 cost of the cement, not the cost to re-do the job.

But these rental companies want that level of coverage, lost wages etc? Any way to fight that, it just seems crazy?

-ERD50
While it may sound outrageous, it is only fair. Just like you can sometimes sue for lost wages if you were injured by someone. Or imagine any other rental - if you rented a tree limb chipper and ended up wrecking it, isn't it fair that he rental company be reimbursed for lost profits that it could have rented it out for, but had to tie it up getting repaired?
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Old 11-23-2015, 12:56 PM   #26
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While it may sound outrageous, it is only fair. Just like you can sometimes sue for lost wages if you were injured by someone. Or imagine any other rental - if you rented a tree limb chipper and ended up wrecking it, isn't it fair that he rental company be reimbursed for lost profits that it could have rented it out for, but had to tie it up getting repaired?
I dunno. Sounds like the cost of doing business to me.

You rent something out, you expect that every once in a while it will get broken, or need maintenance. If I rent it and break it, I (or insurance) pay for the damage, that's fair. But all the external stuff?

What if a tool I rent needs maintenance every 1000 hours, and I rent it with 1,999 hours on it. Am I now responsible for the maintenance time as well, because I tripped over the next 1,000 hour mark? How far does this go?

It would be like charging a renter for the amount of time an apt is vacant after they leave. A landlord has to role that into their cost of doing business. I think a rental company should do the same.

And as someone mentioned, they don't really lose that time unless they have 100% utilization of that range of vehicle, and had to turn a customer away. How would I measure that? Do I call to rent one every day after I return it and see if they turn me down? It gets pretty crazy.

Heck, I'll go one further - if they are out the vehicle, guess what - that customer goes to their competitor. And they would get customers from their competitors in return. So it washes out!


There's a difference between someone injuring me as I go about my business, resulting in lost wages, and a business who is (excuse the redundancy) in the business of renting out equipment that can reasonable expect to be damaged from time to time in the normal course of business. I'm a pro-business sort of guy, but I generally think that the business has to take responsibility in some cases, as they do this day-in-day-out, for profit, and the customer is an occasional user, w/o a profit motive.

-ERD50
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Old 11-23-2015, 04:42 PM   #27
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Thats not true. You are responsible for the time the vehicle is under repair. If the vehicle rents for $30/day and it takes 10 days to fix in the shop...you would be responsible for $300. Its a dirty little secret they do not disclose.

Still...If there is $3500 in damages you would be off the hook for that. If you have a low deductible on your current insurance policy...no need to use rental car insurance.

That wasn't what I had on my waiver, as I checked it and they verbalized it too. Otherwise I would not have bought it. The loss of use I am familiar with and that was really the major reason I bought it as I have good insurance and could have used CC option also. I truly wanted walk away insurance and that is why I took the "rip off" insurance.


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Old 11-25-2015, 05:27 AM   #28
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here is an example of the fine print amex has that gives them an out if they opt to take it .

they know all to well rental car company's consider #8 company confidential information and odds are you will not be able to provide it .



Required documentation may consist of, but is not limited to:
1. our signed and completed claim form;
2. an itemized repair bill;
3. a copy of charge slip for the rental of the Rental Auto, Rental Auto contract or machine generated receipt to show
rental was charged and paid for with an American Express Card;
4. a police report (if applicable);
5. photos of the damaged vehicle, if available;
6. a copy of the Cardmember's, authorized driver's or employer's auto insurance coverage, or a notarized letter stating
no insurance;
7. a copy of all claim documents and correspondence, provided by the Car Rental Company;
8. a copy of the Rental Company's utilization log;
9. a copy of the driver's license of the Cardmember and/or authorized driver, unless the driver's license number shows
on the rental agreement;
10. a copy of the written rental agreement, front and back, which documents when the Rental Auto was checked out
and checked in; and
11. information pertaining to other available insurance coverage(s).
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Old 11-25-2015, 09:11 AM   #29
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Originally Posted by MooreBonds View Post
While it may sound outrageous, it is only fair. Just like you can sometimes sue for lost wages if you were injured by someone. Or imagine any other rental - if you rented a tree limb chipper and ended up wrecking it, isn't it fair that he rental company be reimbursed for lost profits that it could have rented it out for, but had to tie it up getting repaired?
I agree it would be fair but only if the out-of-use is the actual out-of-use based on actual utilization rather than an "assumption" that the vehicle is rented every day it is out of use. Also, the rate should be adjusted to reflect that it isn't really being used so no wear and tear and maintenance is being incurred while it is sitting in the shop.

OTOH, I agree with ERD50 that it could be a cost of doing business and already reflected in the rates we are paying, in whole or in part.
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Old 11-25-2015, 11:34 AM   #30
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We did this to a rental car in Florida when DH rubbed a painted barrier post in a gas station. We thought the damage would be noticeable but thought it would be worth it to try just rubbing off the white paint.

We stopped at a grocery store and bought Soft Scrub cleanser and a soft cloth and tried it in the parking lot. It worked perfectly! We were worried when we returned the car that something would be evident but we passed the quick inspection at drop off without a problem.

Another product is Bon Ami cleanser, guaranteed not to scratch. It's a dry powder that you use with a little water, where the Soft Scrub is moist.

Good luck!
These suggestions can create more damage then help - both can create more scratching of any clear coat on the vehicle making minor damage that much more noticeable. If you have collision coverage on your vehicle at home that coverage transfers within the U.S. and the worst you're exposed to will be your deductible. Depending on your CC it too may cover any CDW. If you are really worried about the rental company overstating the damages you can always stop at a body shop and ask them for an estimate or advice on addressing your scratches. If it's able to be buffed out they may be able to do something for an hours worth of labor that might avoid you dealing with any further hassles.
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Old 11-25-2015, 11:43 AM   #31
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These suggestions can create more damage then help - both can create more scratching of any clear coat on the vehicle making minor damage that much more noticeable. If you have collision coverage on your vehicle at home that coverage transfers within the U.S. and the worst you're exposed to will be your deductible. Depending on your CC it too may cover any CDW. If you are really worried about the rental company overstating the damages you can always stop at a body shop and ask them for an estimate or advice on addressing your scratches. If it's able to be buffed out they may be able to do something for an hours worth of labor that might avoid you dealing with any further hassles.

That just convinces me more when I buy the "walk away" insurance it is better for me. When I rent a vehicle its usually across the country, and the last thing I would be able to do would be checking on bids. And the paperwork? Ugh...Thats why I retired!


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