Collision damage insurance with auto rental

"Jochen Kriegerowski" wrote in message
...
"- Bobb -" schrieb

I use ATT Gold Card which picks up $10,000 of damage after any coverage
that I might have.

My VISA Gold covers almost everything but damage to my (own or rental)
car.
Most of the time I opt for CDW when I rent. Makes me sleep better when
I'm on holiday :-)

"Sapphyre" wrote in message

Most rental companies
don't allow more than 28 day rentals anyways

Of course they do. Check for 'long term rental' on their websites. You
can't
book that on the 'normal' reservations pages because special rates apply.

Jochen


Most US credit cards cover the CDW. Foreign cards rarely do. As to showing
insurance coverage, has been a requirement for years in California. If
stopped for traffic infraction, thay can ask for the insurances card. But
all rentals carry insurance. The required coverage is for liability
insurance and not for your own vehicle.

"CalifBill" schrieb

The required coverage is for liability
insurance and not for your own vehicle.

And that's required only in California?
Bad luck if you get hit by a car in any other state...

You couldn't drive a motor vehicle without liability insurance on any
European road.

Jochen

On Tue, 20 Nov 2007 20:22:17 -0500, "- Bobb -"
wrote:

Interesting to read everyone's different views on this .

I use ATT Gold Card which picks up $10,000 of damage after any coverage
that I might have. Since I have no collision protection on my own car ( 98
Toyota) ATT is only protection I have. I am making a conscious decision
each time that if more than $10,000 of damage to rental vehicle I'm on the
hook for the balance, but ( luckily) never had any incidents so saved
quite a bit. Of course if I total a 18,000 car then I'm out $8,000 after
AT&T's 10,000 payout.

Someone earlier mentioned California proof of insurance. I have rented in
CA every previous year (but not this year), done as above, and never had
to show anything ... is that something new this year ??

Bobb

You might want to check the provisions carefully. At least some cards
only cover you if you have collision/comprehensive.

"jdoe" schrieb

almost every state in the US requires insurance, next foolish
assumption

Why did someone explicitly point out that is was required in
California, then?
"Almost every state" implies that there are some which don't?

Jochen

On Nov 22, 10:07 am, "Jochen Kriegerowski" wrote:
"jdoe" schrieb

almost every state in the US requires insurance, next foolish
assumption

Why did someone explicitly point out that is was required in
California, then?
"Almost every state" implies that there are some which don't?

Jochen

Here's a list of State requirements

http://www.insure.com/articles/carin...ge-levels.html

"Jim Davis" schrieb

Here's a list of State requirements

Great! Thanx for the link!

Jochen

On Thu, 22 Nov 2007 10:47:53 -0500 jdoe wrote:

:almost every state in the US requires insurance, next foolish
:assumption

Yeah? A bond is not adequate?

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"Jochen Kriegerowski" wrote in message
...
"jdoe" schrieb

almost every state in the US requires insurance, next foolish
assumption

Why did someone explicitly point out that is was required in
California, then?
"Almost every state" implies that there are some which don't?

Jochen

We were talking about the requirement to show liability insurance coverage
to either an officer of the law or the other driver in an accident. I bet
in Europe there are people driving on the roads without insurance. If you
have no assets you really do not need insurance. If in an accident and no
insurance, and no assets, what are they going to do to you? Nothing to sue
for, and we rarely put debtors in prison these days. Read for content next
time.

"CalifBill" schrieb

We were talking about the requirement to show liability insurance coverage
to either an officer of the law or the other driver in an accident.

Sure. If insurance is compulsory, that's the easiest way to check it.
Anything else would require at least a phone call.

I bet in Europe there are people driving on the roads without insurance.

Yes. Not legally of course, but they pay a hefty fine if they are caught.
Depending on the country the way of proving coverage is different
(sticker on the license plate, on the windshield, or whatever)
And believe me: They check that not only in case of an accident.

If in an accident and no insurance, and no assets, what are they
going to do to you?

If you get caught more than once they can do a lot, from seizing the
car to revoking your driver's license, to put you in jail (not because
of the debt, but because you broke the law)... lots of methods.

The other party is being paid by some insurance's fund, who have
then 35 years to claim their money back: They may ring at your
door after you've long time forgotten that you had an accident in
the 1970s

Read for content next time.

Ok - you have to be insured in every state, but have to prove it
only in California? ;-)

Jochen

"Brian" wrote in message
...
On Tue, 20 Nov 2007 20:22:17 -0500, "- Bobb -"
wrote:

Interesting to read everyone's different views on this .

I use ATT Gold Card which picks up $10,000 of damage after any coverage
that I might have. Since I have no collision protection on my own car
( 98
Toyota) ATT is only protection I have. I am making a conscious decision
each time that if more than $10,000 of damage to rental vehicle I'm on
the
hook for the balance, but ( luckily) never had any incidents so saved
quite a bit. Of course if I total a 18,000 car then I'm out $8,000 after
AT&T's 10,000 payout.

Someone earlier mentioned California proof of insurance. I have rented
in
CA every previous year (but not this year), done as above, and never had
to show anything ... is that something new this year ??

Bobb

You might want to check the provisions carefully. At least some cards
only cover you if you have collision/comprehensive.

ATT's wording was that they provided the coverage after primary collision
coverage IF driver has coverage - otherwise they are first in line. At
least that's how it USED to be - I will recheck online before next time I
need a rental.