Problems with GP45-all Regions

[45 Up North]

It's not really a scam if you wreck a rental car now is it.

[FailingEnterpriseAdmin]

Originally Posted by 45 Up North

It's not really a scam if you wreck a rental car now is it.

No, and thanks for intentionally missing the point.

Let's all stipulate in advance that if you have an accident (or merely get accused of causing "discovered" damage), having purchased CDW makes it all better.

It's still way overpriced, overcompensated "protection", and many, many customers are "sold" CDW despite not needing it.

[45 Up North]

Hey, lets not get all defensive here. I'm just a slave at ERAC right now.

You say its overpriced. It's usually priced 5.00 less than our competition.

Oversold? Erac tracks CDW sales but we don't get comission or bonuses based on it.

Accused of an accident? At my office if you miss the damage on the check in then it's the branches fault and they have to eat shit and fix the car out of pocket. Yes it comes out of the bottom line for the branch that month. We can't just call someone and say they damaged the car. We also don't allow people to drop off cars afterhours to prevent this type of situation.

Don't need it? Ok yeah you have insurance on your car but what about the asshole that just rearended you. Too damn bad. You could have paid 15.99 for one day of "protection" and walked away with a smile. But you had to use your own insurance and now you are pissed off at me because I told you I would collect your 500.00 deductible if anything happened to the car. It drags on for about six months while you pay higher premiums to your insurance all because you didn't need any protection. Do the math if you rent longer than a week its not worth the price. However about 80% of the ERAC rentals are 2 days or less.

Look, I'm no cheerleader for ERAC. I hate my job about 70% of the time. We are overworked, pushed hard to sell all the additional items we offer, and we are of course underpaid. You just need to be rational and look at the larger picture here.

There are problems with everything that we do. What matters is what we do to fix them and not make the same mistakes.

I rented about 30 cars today and only sold DW to 2 customers. 3 of them returned and I had to charge one a 1000.00 deductible for a 6 hour rental and he got sideswiped in a parking lot. He wasn't even in the car. I bet he wished he had the DW on his rental.

[45 Up North]

And of course lets not forget the promotion criteria.

DW sales is not a criteria for promotion. It is however, a measurable number that can be used to analyze performance.

Sears sells the "Maintenance Package", Best Buy sells the "In home Service", and don't for get the 2 and 3 year replacement warranties they offer.

None of them are worth it but they add peace of mind to your purchase just like DW offers it on a rental.

Originally Posted by 45 Up North

Hey, lets not get all defensive here. I'm just a slave at ERAC right now.

You say its overpriced. It's usually priced 5.00 less than our competition.

Oversold? Erac tracks CDW sales but we don't get comission or bonuses based on it.

Accused of an accident? At my office if you miss the damage on the check in then it's the branches fault and they have to eat shit and fix the car out of pocket. Yes it comes out of the bottom line for the branch that month. We can't just call someone and say they damaged the car. We also don't allow people to drop off cars afterhours to prevent this type of situation.

Don't need it? Ok yeah you have insurance on your car but what about the asshole that just rearended you. Too damn bad. You could have paid 15.99 for one day of "protection" and walked away with a smile. But you had to use your own insurance and now you are pissed off at me because I told you I would collect your 500.00 deductible if anything happened to the car. It drags on for about six months while you pay higher premiums to your insurance all because you didn't need any protection. Do the math if you rent longer than a week its not worth the price. However about 80% of the ERAC rentals are 2 days or less.

Look, I'm no cheerleader for ERAC. I hate my job about 70% of the time. We are overworked, pushed hard to sell all the additional items we offer, and we are of course underpaid. You just need to be rational and look at the larger picture here.

There are problems with everything that we do. What matters is what we do to fix them and not make the same mistakes.

I rented about 30 cars today and only sold DW to 2 customers. 3 of them returned and I had to charge one a 1000.00 deductible for a 6 hour rental and he got sideswiped in a parking lot. He wasn't even in the car. I bet he wished he had the DW on his rental.

OK, so you supposedly collected a $1000 deductible for the person who got sideswiped in the parking lot. Guess what? If it was his own vehicle, he would have had to pay that $1000 deductible, too. Correct? Don't try to respond that you have more of a chance to dammage a rental than your own because you may be unfamiliar with it. That would be like saying when you decide to purchase a new vehicle, you will most likely wreck it within the first few days. Bullshit.
You say that you hate your job 70 percent of the time. Don't feel sorry for you one bit because you are too big of a pussy to step out and make a better life for yourself. The guys picking up your garbage outside your apartment are making way more money than you. How does that feel?

[45 Up North]

It feels fine. I'm not that stupid. I don't live in an apartment. I invest the little amount of money I earn in my home.

Nobody asked you to feel sorry for me. I don't walk out on my team because the right opportunity hasn't shown up for me just yet. When it does I will leave the position I'm in with respect and dignity.

Yes you are right if it was his own car he would have also had to pay the deductible. However, his car would have been covered under his uninsured motorist policy. Not collected like he was in a collision. When a rental car company files a claim on your insurance thats what it looks like on paper. Not a great thing to have on your record.

He could have gotten sideswiped by anyone in any car. But he had it happen to his rental car. If I let you borrow my car and it got hit in a parking lot how much do you think I should collect from you. It's not your fault and guess what your insurance doesn't cover my car if your not driving it. Tough luck for me huh.

If you want to trash talk find another thread. This was an intelligent discussion.

[Dom182]

While reading this keep in mind that I quit ERAC because of all the bullshit. However I never saw CDW as a scam. It was very difficult to sell in my office and I spent entirely too much time trying to placate customers who damaged vehicles. I ran through every argument from "I shouldn't have to pay for this, I wouldn't even have been in your car if I hadn't been in an accident", or "It was the other guys fault I dont care if he didnt have insurance why should I have to pay, go sue him" and my favorite "It was there when I picked it up" when I knew damn well it wasn't as the car was checked out by me and it was new.

Now CDW is not the save all that proponents wish it to be nor is it as scam. Many talk about the cost.
It's anywhere between 12.99 and 21.99 depending on the group.

The high end cost is regulated by the state and most car companies charge the highest amount allowed by law.

Since they insure anyone they charge the maximum amount, unlike your insurance co they are not allowed to run a DMV report to check your driving history or do a credit report like many insurance companies do. Think of the high risk insurance companies that do SR22 they charge a lot too

If you get it an accident it is definately not a scam. If you don't well that's left up to opinion

For those that don't take it and get into an accident they have to pay their deductible, and since 90% of insurance companies dont pay for loss of use you pay that too. This is not just with enterprise it is with all rental companies.

Many say, so what I have to pay my deductible, well it's a payment on something you don't and will never own and chances are your insurance rates will go up as well, especially if you are renting a car because you were in an accident.

The big one is if you are traveling on business. If your company does not insure you and you rely on your own you had better make damn sure you have a business rider. If you don't your insurance will not cover you. I know I had this happen to a customer.


Now the flip side of this.

CDW costs. It can cost a lot if you are in a car for a long time and I don't think spending 200 or 300 dollars is worth it.

CDW will not cover you if you do anything violating the contract, and if you look at the back there are a lot of rules and stipulations.

If you have USAA insurance dont take it. USAA waives the deductible, pays loss of use and will not raise your rates the first time.

If you have been with your insurance co over 10 years with no accident don't take it they to will most likely waive everything

My respect to 45UpNorth and Dom182. Regardless of what anyone thinks of ERAC, the basic premise is that they are giving their customers A CAR! Enterprise rents CARS, not tuxedo's, hotel rooms or volleyball sets...they rent CARS...people take that for granted. Cars cost a lot of money and car accidents happen, regardless if it is a golf ball through the windshield or being sideswiped...someone has to pay for it. Think it is a scam if you want to, but I personally don't want to jeopardize my credibility or my payments with my insurance company for a rental car...Damage Waiver all the way! ps...paying Enterprise for gas is much less expensive these days that filling up a the local gas station!

[Dom182]

Thanks unregulated.

One thing I forgot to mention is credit card coverage. While some are excellent such as AMEX gold and platinum or Diners club some are not. There are a lot of rules and stipulations if you use your credit card to cover the vehicle.

Most will not allow a secondary driver.

Most limit the vehicle you can drive. You can not get a caddy or a truck or high end suv

Many cover only outside what your insurance will cover which is great but you still have that claim

If you do not have insurance many will not cover you at all

They only cover 10 to 14 days of rental after that you have no coverage and if you didn't report the accident within this time you are not covered

Debit cards are not credit cards and do not have any coverage.

There are many more, too many to go into. These are just the ones I have come accross and had to explian to a pissed off customer.

On the flip side like I said AMEX gold, platinum and titanium will cover you for most anything the coverage getting better as you go up in card. If you have a diners club you are worry free. Not much they don't cover

[45 Up North]

Thanks to all for the great comments. I don't find fault in anything you have put up. At least I'm not the only one out there who understands these issues.