the final on enterprise's insurance

First of all, I've gone through a large portion of this site, nice job Admin. At this point, I'm neutral, and can't really decide on ERAC. I believe it is truly dependent on the Branch Managers/Area Managers with whom you rent. For example, if the Admin came in, especially with a Corporate Account, and complained once, we would go out of our way to make sure it didn't happen again next time, which is the reason ERAC has 80% of it's customers completely satisfied. I am convinced that the recruiters, Area Managers, and Branch Managers you work with...suck.

Depending on your deductible, and the length of time you plan on having the rental, Damage Waiver is worth the price. A former post said that you should check to see if it is packaged with other insurance, and you should. The Damage Waiver is an enterprise product, the other two are done by a third party company. It is not insurance. It waives you of responsibility for damage/theft to the vehicle, and if you only have the car for a couple of days, is well worth it, especially if you are going out of town. If you are thinking to yourself...I'll be around home, keep in mind that the majority of accidents...over 85% (actually, I think it's closer to 90+) happen within 5 miles of home. If something happens while you're away, it is a lot easier to switch out at another Enterprise branch if you have the waiver.

Also, I see a lot more damage on cars now than I did before I was properly trained on how to check for damage, and after I had some experience doing it. Most people don't understand there are certain guidelines to follow as you walk around the vehicle.

Also, the majority of employees are not trying to "scam" you out of your money. No one enjoys doing a DX, the erac term for a damage report while the car is on a rental. They have no incentive what so ever to do it. It does not reflect on their performance as employees, and also holds no financial incentive to the branch.

Anytime there is damage, the Loss Control team will (should) look to see if it was on previous contracts. Make sure they do that.

When you originally rent the car, do a thorough walk around. This means check the windshield, step a couple of feet back, and change the height from which you are looking at the car as you walk around. This will allow you to see damage which can be hidden from one height, like Hail Damage.

There was an article posted earlier, explaining how the extra insurance is not worth it when you do the math. Economically, it may be correct. Actually, I'd be an idiot to disagree with it, so it is correct. But it doesn't take into account the fact that Damage Waiver puts you into a hassle-free, worry-free situation while you are driving SOMEONE ELSE'S car.

And please don't be the jack-ass customer that wants to write down everything they see. If it's smaller than a dime/quarter, and it's not a scratch in the paint (meaning you see no paint, rather black), let it go.

If you feel like you are being deceived, go to the district manager and let him know. But keep in mind no one is intentionally trying to deceive you.

Very good post and well written too - now, if only the customers can see it that way! Some do, but most do not.

"I already have insurance!" blah blah. Of course you do, who doesn't? That's why we are offering the waiver.

They will never understand.

[O.H.Lee]

The problem with the waiver is that it is also equal to the cost of an average car rental. So that instead of paying $30 per day you end up paying $60 per day for a car rental. My insurance company advised me NOT to purchase ERAC insurance because it's just a waste of money when you're already paying for insurance. Now as for this "freeing me of all damages nonsense." Do you mean to say that all I have to do is pay a $29 per day waiver and then I am free to drive my rental into a tree and say "see ya!"? I doubt it.
The waiver seems to be just a device to double the rentals and maximize profits. It seems more like, "just pay $29 a day or we will scam you for your $500 deductable!"
If you read my earlier post you know what happened to me. "Cory" from Risk Management left a message on my machine. I'm still waiting to hear from him. If they let me off the hook I will gladly post it here.
Cory keeps referring to "one of MY cars" and "one of MY sites." Is this just part of the corporate training or could he have a commercial (manager/lawyer/shareholder?) interest in ERAC?

[iriswalt]

They have no incentive what so ever to do it. It does not reflect on their performance as employees, and also holds no financial incentive to the branch.

The above line is total bullshit. documented damage is a big way for a branch to control cost and make profit. the brnach pays for all the damage that does unreported or damaged called an OX which directly hits the brnach. please do not be misleading.

[quote=O.H.Lee;74589]The problem with the waiver is that it is also equal to the cost of an average car rental. So that instead of paying $30 per day you end up paying $60 per day for a car rental. My insurance company advised me NOT to purchase ERAC insurance because it's just a waste of money when you're already paying for insurance. Now as for this "freeing me of all damages nonsense." Do you mean to say that all I have to do is pay a $29 per day waiver and then I am free to drive my rental into a tree and say "see ya!"? I doubt it.
The waiver seems to be just a device to double the rentals and maximize profits. It seems more like, "just pay $29 a day or we will scam you for your $500 deductable!"

I have now left ERAC so I will in no way agree with their policies on many things, but it is this type of attitude that leads to customers not being completely informed of how to handle a rental. ERAC waiver does make them alot of money, don't get me wrong, but how many employees out there have ever had a customer who is using their own insurance a:admit they did any damage to a car when confronted, or b:leave happy with the situation. The answer is none. And why you ask? ( it's not because they never damage the cars, it's because they now realise that they are on the hook for their deductible, AND they have a claim on their file that can put their premiums up.) Instead of bitching at their insurance agent who advised them to take this route, they bitch at the staff and say they are being scammed. Now I ask, which is more likely?

[quote=Unregistered;74660]

Originally Posted by O.H.Lee

The problem with the waiver is that it is also equal to the cost of an average car rental. So that instead of paying $30 per day you end up paying $60 per day for a car rental. My insurance company advised me NOT to purchase ERAC insurance because it's just a waste of money when you're already paying for insurance. Now as for this "freeing me of all damages nonsense." Do you mean to say that all I have to do is pay a $29 per day waiver and then I am free to drive my rental into a tree and say "see ya!"? I doubt it.
The waiver seems to be just a device to double the rentals and maximize profits. It seems more like, "just pay $29 a day or we will scam you for your $500 deductable!"

I have now left ERAC so I will in no way agree with their policies on many things, but it is this type of attitude that leads to customers not being completely informed of how to handle a rental. ERAC waiver does make them alot of money, don't get me wrong, but how many employees out there have ever had a customer who is using their own insurance a:admit they did any damage to a car when confronted, or b:leave happy with the situation. The answer is none. And why you ask? ( it's not because they never damage the cars, it's because they now realise that they are on the hook for their deductible, AND they have a claim on their file that can put their premiums up.) Instead of bitching at their insurance agent who advised them to take this route, they bitch at the staff and say they are being scammed. Now I ask, which is more likely?

What about the customers who said they TOOK waiver and the rental agent didnt note it on the contract AFTER they damaged the car. Thats a real good one since NO ERAC employee would EVER not get dub signed properly.

Originally Posted by O.H.Lee

The problem with the waiver is that it is also equal to the cost of an average car rental. So that instead of paying $30 per day you end up paying $60 per day for a car rental. My insurance company advised me NOT to purchase ERAC insurance because it's just a waste of money when you're already paying for insurance. Now as for this "freeing me of all damages nonsense." Do you mean to say that all I have to do is pay a $29 per day waiver and then I am free to drive my rental into a tree and say "see ya!"? I doubt it.
The waiver seems to be just a device to double the rentals and maximize profits. It seems more like, "just pay $29 a day or we will scam you for your $500 deductable!"
If you read my earlier post you know what happened to me. "Cory" from Risk Management left a message on my machine. I'm still waiting to hear from him. If they let me off the hook I will gladly post it here.
Cory keeps referring to "one of MY cars" and "one of MY sites." Is this just part of the corporate training or could he have a commercial (manager/lawyer/shareholder?) interest in ERAC?

Buddy, it is all revelent. Did you know by your insurance company saying "don't take the DAMAGE WAIVER" if we have to file a claim on your insurance your rates will be raised or you can be cancelled. I agree abnove if you are going to have the car a long time then take your chances but if it is a day or two or a week. Think about it. Plus a lot of people have frineds that wrote their policy--- if you have tow many claims on your policy your friend and or adjent can loss the commission they made when they sold you the policy. No one is trying to rip you off and none of us like when a car comes back damaged because we do not want to do the damage report so the Damage waiver makes everyones life easier yours and ours. I hope it owrks out for you

[Cadmian]

Originally Posted by O.H.Lee

The problem with the waiver is that it is also equal to the cost of an average car rental. So that instead of paying $30 per day you end up paying $60 per day for a car rental. My insurance company advised me NOT to purchase ERAC insurance because it's just a waste of money when you're already paying for insurance. Now as for this "freeing me of all damages nonsense." Do you mean to say that all I have to do is pay a $29 per day waiver and then I am free to drive my rental into a tree and say "see ya!"? I doubt it.
The waiver seems to be just a device to double the rentals and maximize profits. It seems more like, "just pay $29 a day or we will scam you for your $500 deductable!"
If you read my earlier post you know what happened to me. "Cory" from Risk Management left a message on my machine. I'm still waiting to hear from him. If they let me off the hook I will gladly post it here.
Cory keeps referring to "one of MY cars" and "one of MY sites." Is this just part of the corporate training or could he have a commercial (manager/lawyer/shareholder?) interest in ERAC?

See I never say insurance as a scam. Like the last poster I agree if you are going to have the car for a long time just take your chances. The short term though I personally would take it. Yes it is a definate cost, but 30-100 bucks is worth not taking the chance of spending much more. That's just my opinion.

Insurance agents say not too because to say anything else might decrease your confidence in your own insurnace. What I wonder is if your agent tells you not to and you get in a wreck is he/she paying your deductible? Will your rates stay the same? If you did get in a wreck after following your agents advice could you sue them later since they are a recognized professional in their field?

[O.H.Lee]

My research indicates that ERAC claims to be a fully self-insured company in order to do business in a state, then turns around and tells it's customers that ERAC is not in the insurance business, but we do have this waiver...
ERAC was sucessfully sued in NY state for the above misrepresentataion. Additionally, ERAC routinely tells customers who have incurred property or physical damage in an accident that ERAC does not provide coverage either with or without a waiver.
My old college mentor once talked my roomate out of becoming a door-to-door encyclopedia salesman. Ed explained to us that the company would send kids out to sell books in areas where they had no legal basis to sell. Most of these kids ended up sharing a cell for soliciting or peddling without a license.
ERAC strikes me as that kind of company.
I wonder just what sort of experiences and brainwashing young, wet-behind-the-ears "Cory" went through to become a loss control administrator who frets over "his" cars and "his" offices.
Guess he just couldn't take washing any more cars.

[Grover]

Originally Posted by O.H.Lee

My research indicates that ERAC claims to be a fully self-insured company in order to do business in a state, then turns around and tells it's customers that ERAC is not in the insurance business, but we do have this waiver...
ERAC was sucessfully sued in NY state for the above misrepresentataion. Additionally, ERAC routinely tells customers who have incurred property or physical damage in an accident that ERAC does not provide coverage either with or without a waiver.
.

I don't know what 'research' you did but you are all mixed up.

Enterprise is self insured for collision which really means they have NO insurance. They sell a damage waiver for collison which means if a renter damages the car Enterprise will waive their right to collect from you.

The lawsuit in NY state was about liability insurance and whether or not Enterprise obligation to provide minimum liability coverage to its renters and to defend them when they are sued by third parties.

Liability insurance and collision are 2 different things.