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| Originally Posted by blame 4- DON'T TAKE THE INSURANCE.
Well, they don't call it insurance. They call it many other things. If you pay for the entire amount of the rental (not an insurance co or 3rd party), if anything happens, your credit card will cover your deductible. And to be honest, a majority of the damage is non-documentable if it doesn't go outside the E-tool (a 2 inch circle they use to document damage). So door dents and minor bumper scraches, don't worry, they can't charge you for it.
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I have to disagree with number 4...do not, I repeat, never trust your credit card to cover anything. Take your chances on your insurance covering anything from a chipped windshield to a totalled car, but 98% of the time a credit card company will NOT cover any part of a rental car. The credit card companies use rental car "coverage" as a hook...but the fine print is way to fine, and will not transfer. The damage waiver at rental car companies is just that...a waiver. It waives your responsibility to anything that happens to the car. Depending on which state you live or rent in...insurance companies have different levels of coverage. The damage waiver takes all the responsibility off of the renter. Just do your research. Your personal car insurance may transfer, but in the case of an accident, you may have a higher responsibility rate with your car insurance. Again...do your research. If you don't want to, take the damage waiver, that way...no worries. In my eight years with the company, I have only seen one claim actually go through a credit card company. |
For once I might actually agree with Blame on something. If you have great credit and you have never made a claim for something of the nature of damage to a rental car you might be covered by the ccard company. From what I remember about ccard claims you have to do all the leg work on filing the claim yourself and you have to do it within 30 days of when the ticket was closed. This means you are at the mercy of ERAC giving you all the appropriate paperwork and getting it to the ccard company. While spending my time at ERAC I only say 1 successful claim filed with a credit card..
Credit Card companies are just about as shady as ERAC is...