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Car Rental In USA
Which insurance coverages should I buy/decline when renting a car?
Thanks, Sal |
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"Sal" writes:
Which insurance coverages should I buy/decline when renting a car? How would we know? If you're covered for something by some other insurance, decline that coverage. You may also wish to decline coverage if you wouldn't mind, in the worst case, paying out whatever is the greatest amount that this coverage would pay you or save you from paying. (For example, if you're renting a car worth $30,000 and you wouldn't mind paying $30,000 if it was stolen, you may wish to decline LDW. Yeah, right. Where PEP is offered, declining it for this sort of reason is more likely.) Otherwise, don't be stupid -- buy the coverage. -- Mark Brader | "I do have an idea ... based on the quite obvious fact Toronto | that the number two is ridiculous and can't exist." | -- Ben Denison (Isaac Asimov, "The Gods Themselves") My text in this article is in the public domain. |
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"Sal" wrote in message om... Which insurance coverages should I buy/decline when renting a car? If you live in the USA insurance might be covered by your own policy. If you don't then it likely will not be and you should buy all of the available insurance! |
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In article ,
(SP Cook) wrote: (Sal) wrote in message Which insurance coverages should I buy/decline when renting a car? If you are a North American resident with an insured car, that insurance covers you when you drive other cars. An AMEX card, and most Visa and Master Cards, also provide coverage. So you would need NO insurance. If you are "judgement proof" (a person with no assets that can be gotten at) you likewise need no insurance. If you are a foreign traveler, it depends on your nation's relation with the USA. Can a US judgement be enforced where you are? Don't be so sure. Not all Amex cards offer free rental car auto insurance coverage. Some corporate cards lack that feature. Best to call the credit card issuer to confirm. |
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In article ,
(SP Cook) wrote: (Sal) wrote in message Which insurance coverages should I buy/decline when renting a car? If you are a North American resident with an insured car, that insurance covers you when you drive other cars. An AMEX card, and most Visa and Master Cards, also provide coverage. So you would need NO insurance. If you are "judgement proof" (a person with no assets that can be gotten at) you likewise need no insurance. If you are a foreign traveler, it depends on your nation's relation with the USA. Can a US judgement be enforced where you are? Don't be so sure. Not all Amex cards offer free rental car auto insurance coverage. Some corporate cards lack that feature. Best to call the credit card issuer to confirm. |
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