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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.
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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.