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kim
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Re: Car Rental Liability Insurance - Scubaman [Re: Tom]
      #1734831 - 06/07/17 06:37 PM (24.151.114.250)

That's he thread that prompted it as while covered it basically said nothing. I'm trying to decipher what credit card or whether one really needs to pay for liability insurance. Like Hertz, they cover it. So are other agencies by law covering it and then just charging?

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ruralcarrierModerator
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Re: Car Rental Liability Insurance - Scubaman [Re: kim]
      #1734871 - 06/08/17 08:32 AM (24.209.195.61)

Still nothing factual about any current credit card coverage for liability?

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J.D.


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Fletch
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Re: Car Rental Liability Insurance - Scubaman [Re: kim]
      #1734884 - 06/08/17 09:29 AM (76.227.106.13)

Quote:

kim said:
That's he thread that prompted it as while covered it basically said nothing. I'm trying to decipher what credit card or whether one really needs to pay for liability insurance. Like Hertz, they cover it. So are other agencies by law covering it and then just charging?




I don't see what you are confused about.

Liability insurance isn't really "free" from Hertz, the cost is built into their rates and thus you wouldn't have to purchase additional "Liability" coverage if you rent from them. You'll also have the option to purchase the Collision Damage Waiver, for a fee, if you want collision coverage. If you use a credit card to pay for the rental your cc company may provide collision coverage for you. While most cc companies offer this benefit you should check with your cc company to be sure.

FYI - other car rental companies offer Liability insurance as an "option" for which you pay a daily fee. The car rental companies are under no obligation to have liability insurance on their vehicles and you are under no obligation to purchase it. If you decline the optional Liability you don't pay the fee but you WILL NOT have Liability coverage unless your personal auto insurance covers you (check with your personal insurance agent for details). Credit card companies DO NOT offer Liability insurance as a benefit.

So bottom line, if renting from Hertz you you will be covered for Liability. If renting from some other company and you want liability insurance you either have to purchase it from the car rental company or have it through your own personal insurance policy. Either way you'll be paying for it.


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kim
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Re: Car Rental Liability Insurance - Scubaman [Re: Fletch]
      #1734893 - 06/08/17 09:56 AM (24.151.114.250)

Yes, I totally understand that. On a previous thread Scubaman stated that a friend paid a fee to AMEX and was able to get liability coverage. I was unable to find any info on which card that is. As HERTZ includes liability in their rates, on a post somewhere someone "implied" that all rental agencies have liability coverage, this was not recent, I can't find any proof that is true. The AMEX program sounded like a yearly fee. If you travel to the island 3-5 times a year that would be a great thing to have instead of paying a daily rate. Honestly I'm not even sure what the daily rates are! It just trying to research and get the scoop.

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ruralcarrierModerator
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Re: Car Rental Liability Insurance - Scubaman [Re: Fletch]
      #1734897 - 06/08/17 10:04 AM (24.209.195.61)

Previous Discussion

There is unsubstantiated reference made to a certain AMEX card offering liability for an additional fee. Nobody has found the card or been able to provide a link to such a program to actually confirm it.

--------------------
J.D.


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kim
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Re: Car Rental Liability Insurance - Scubaman [Re: ruralcarrier]
      #1734902 - 06/08/17 10:29 AM (24.151.114.250)

I think it's the AMEX Platinum, but I can. Not find a reference number to call and inquire about the extra fee to pay to obtain the coverage. Giving up!!!

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ruralcarrierModerator
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Re: Car Rental Liability Insurance - Scubaman [Re: kim]
      #1734903 - 06/08/17 10:32 AM (24.209.195.61)

Just call Amex and see if they will transfer you. Don't give up!!

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J.D.


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Fletch
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Re: Car Rental Liability Insurance - Scubaman [Re: kim]
      #1734914 - 06/08/17 12:47 PM (76.227.106.13)

Quote:

kim said:
I think it's the AMEX Platinum, but I can. Not find a reference number to call and inquire about the extra fee to pay to obtain the coverage. Giving up!!!




The AMEX Platinum Card DOES NOT provide Liability Insurance - only Collision Damage.

The Annual Fee for the Platinum Card is $550. Go here for a complete description of all the "benefits" the Platinum Card offers: https://www.americanexpress.com/us/credi...rdBenefitsTerms

I'll say it again, if you want Liability coverage you have to purchase it from the car rental company or add a "Hired Car" rider for your Personal Auto Policy. It's not very expensive and can be very cost effective if you do multiple car rentals throughout the year.

Edited by Fletch (06/08/17 12:48 PM)


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Carol_HillAdministrator
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Re: Car Rental Liability Insurance - Scubaman [Re: Fletch]
      #1734917 - 06/08/17 12:53 PM (47.192.9.53)

And again, unless your policy is different than mine, "hired car" coverage does NOT cover rentals outside the US.

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ruralcarrierModerator
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Re: Car Rental Liability Insurance - Scubaman [Re: Carol_Hill]
      #1734919 - 06/08/17 12:56 PM (24.209.195.61)

Correct, and many AGENTS are misinformed. When in doubt, check directly with your particular company or better yet, read the fine print of your actual policy.

--------------------
J.D.


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