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Originally Posted by gearboy  i have had a similar experience today, my insurance holder claimed i was direct pay with enterprise, & needed only to show my policy & claim #, after 2 ERAC locations i simply starting walking home until my roomie picked me up. i pay for full coverage & car rental in my coverage, so either state farm is nuts, or ERAC. if only i had $ in the bank & they would have been happy to rent one to me. |
Although I don't work for your insurance company would it seem resonable for me to tell you how the company operates? Of course not, same thing with a claims adjustor telling you how Enterprise works. They don't work for Enterprise so how can they tell you about Enterprises policies and procedures?
Your problem is that you don't have a Credit Card to put a small authorization on, right? Enterprise is just covering their ass in case you bring the car back damaged.
Let me give you a scenario, lets say someone in a similar position rents a car (just shows id and claim number). The car is returned damaged (cracked windshield). The insurance company is only going to pay for the days the vehicle was rented, they will not pay for any damages. The person who rented the car is broke and has no money, now Enterprise has to eat the damages (which comes out of the branch manager's pocket). So since you mentioned that you are broke, how would you expect to pay for any damages that may occur while the car is in your possession?
Enterprise is worried about getting the deductible portion of your insurance coverage. In my experience it has always typically been that someone who does not have a credit card, or at least a debit card, really doesn't have much in the way of money. You are pretty much proving my point.