Originally Posted by OldAgePensioner
Don't think this exactly fits here but didn't think this question deserved it's own thread.
I'm renting a Hertz car for a road trip. I don't have my own car insurance. Has anyone used a Gold or Platinum VISA/MasterCard for renting and used the insurance guarantee associated with the car? Can I trust VISA/MC to pay?
More simply. Has anyone had an accident while insured by VISA or MC?
Don't want to post on this thread that ER'd early, wrecked a rental car and now broke and back at work!
I have tested this without problems. I had a little bit of a minor problem in a country road in Ireland. Driving at night on the "wrong" side of a narrow street without any street lights was a bad idea. I hit a large rock that damaged my tire and rim. Hertz charged me Euro 170. I paid it and talked to MasterRental (MasterCard's rental car insurance) about it. For some reason they had a hard time contacting Hertz in Ireland, so I acted an intermediary to speed up the process. Sent them all my receipts and got the entire amount reimbursed to my amount. A bit of a hassle, but that's mostly due to the difficulty of contacting them.
I would DEFINITELY suggest renting from a major car rental place for just this type of reason. I have rented from small agencies before, but never had to deal with any kind of issue like this either.
On a somewhat related note, I'm quite suprised that how cheap some of the major agencies are in foreign countries. Several times, Hertz has been cheaper than any other agency which is quite the opposite in the US!
[edited to correct spelling]