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Re: Car Rental Liability Insurance - Scubaman
[Re: Bobcat]
#131975
06/06/2017 04:59 PM
06/06/2017 04:59 PM
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Joined: Dec 2004
Posts: 5,105 Massachusetts
boucharda
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Yup... Q. What is the price of 3rd Party Liability Insurance when I rent from Hertz in St. Maarten?
A. We are happy to offer all of our customers complimentary 3rd party liability insurance.
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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131982
06/08/2017 08:32 AM
06/08/2017 08:32 AM
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Joined: Mar 2001
Posts: 17,763 Ohio
ruralcarrier
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Traveler
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Ohio
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Still nothing factual about any current credit card coverage for liability?
J.D.
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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131983
06/08/2017 09:29 AM
06/08/2017 09:29 AM
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Joined: Feb 2006
Posts: 930
Fletch
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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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Re: Car Rental Liability Insurance - Scubaman
[Re: Fletch]
#131985
06/08/2017 10:04 AM
06/08/2017 10:04 AM
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Joined: Mar 2001
Posts: 17,763 Ohio
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Previous DiscussionThere 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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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131987
06/08/2017 10:32 AM
06/08/2017 10:32 AM
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Joined: Mar 2001
Posts: 17,763 Ohio
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Just call Amex and see if they will transfer you. Don't give up!!
J.D.
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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131988
06/08/2017 12:47 PM
06/08/2017 12:47 PM
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Joined: Feb 2006
Posts: 930
Fletch
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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...rdBenefitsTermsI'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.
Last edited by Fletch; 06/08/2017 12:48 PM.
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Re: Car Rental Liability Insurance - Scubaman
[Re: Fletch]
#131989
06/08/2017 12:53 PM
06/08/2017 12:53 PM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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And again, unless your policy is different than mine, "hired car" coverage does NOT cover rentals outside the US.
Carol Hill
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Re: Car Rental Liability Insurance - Scubaman
[Re: Carol_Hill]
#131990
06/08/2017 12:56 PM
06/08/2017 12:56 PM
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Joined: Mar 2001
Posts: 17,763 Ohio
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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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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131991
06/08/2017 02:03 PM
06/08/2017 02:03 PM
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Joined: Oct 2000
Posts: 12,460 île staten
Bobcat
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For All - Pro & Con =============== Hertz Sint Maarten http://hertz.sxmrentacar.com/================= CDW waiver comes with a deductible of $1,600 to $4,000 depending upon the vehicle rented (see their website for list of vehicles and deductibles) Liability coverage comes with $400 deductible. If you use your credit card for the CDW you are covered 100% but of course you are stuck with the paperwork should you need to file a claim. ============== "It is important to understand that although referred to as insurance, it isnt really insurance at all rather, the so called insurance arrangements are terms of your contract with the rental car company. The rental car company itself may be backed by its own insurers but this insurance cover, if it exists,does not extend directly to you.The protection you obtain from the rental contract is only as good as the ability of the rental car company to meet any claim. If the rental car company has few assets, in some circumstances that may leave you as the driver of the vehicle open to liability to third parties.It is a good idea to hire vehicles only from rental car companies that are obviously financially sound, and are more likely to be able to honor the insurance provisions of their contracts."
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Re: Car Rental Liability Insurance - Scubaman
[Re: sunmantwo]
#131995
06/08/2017 06:44 PM
06/08/2017 06:44 PM
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Joined: Mar 2001
Posts: 17,763 Ohio
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If it is really mandatory, shouldn't it be included in the original quote or built into the price?
J.D.
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Re: Car Rental Liability Insurance - Scubaman
[Re: sunmantwo]
#131997
06/08/2017 07:38 PM
06/08/2017 07:38 PM
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Joined: Aug 2000
Posts: 83,601 Central Florida!
Carol_Hill
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Sounds like a company that I personally would not deal with again.
Carol Hill
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Re: Car Rental Liability Insurance - Scubaman
[Re: kim]
#131999
06/08/2017 09:44 PM
06/08/2017 09:44 PM
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Joined: Apr 2001
Posts: 14,677 Brookfield, CT.
pat
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kim,
That's the coverage we had based on whichever AMEX card we used at the time and is the one I was telling you about. Got rid of AMEX card since it was so difficult to use on the island and thats pretty much the only place we do car rentals these days. And as I said, NO LIABILITY COVERAGE on this or any other credit card I've ever had.
For those who 'think' their umbrellas or hired car coverages cover you on SXM, do yourself a huge favor and check your policies closely. I was given misinformation from my agent and when I finally tried to interpret my umbrella and was still uncertain, I contacted the underwriting department of our carrier and they said in no uncertain terms, we did NOT have coverage on SXM even with a million dollar liability umbrella. Just check it out and don't assume coverage and possibly end up sorry down the road. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />
Respectfully,
pat
"Always keep your words soft and sweet, just in case you have to eat them."
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