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Liability Insurance Deductible #196684
06/04/2019 11:37 AM
06/04/2019 11:37 AM
Joined: Sep 2001
Posts: 193
Compskier Offline OP
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Compskier  Offline OP
Traveler
Joined: Sep 2001
Posts: 193
Looking at insurance options offered by the car rental companies. My credit card covers the collision, but I'm wondering if it makes sense to buy the liability coverage.
How do you know if the insurance offered by the rental company is valid and can anyone respond on the deductibles that they have seen?

SXM Sponsors
Re: Liability Insurance Deductible [Re: Compskier] #196709
06/04/2019 06:20 PM
06/04/2019 06:20 PM
Joined: Jan 2018
Posts: 375
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Uksimonusa Online content
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Uksimonusa  Online Content
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Joined: Jan 2018
Posts: 375
Originally Posted by Compskier
Looking at insurance options offered by the car rental companies. My credit card covers the collision, but I'm wondering if it makes sense to buy the liability coverage.
How do you know if the insurance offered by the rental company is valid and can anyone respond on the deductibles that they have seen?


I don't think there is a deductible on Liability coverage as it is not coverage to protect you, it's to protect the "Victim" of the accident. I think Hertz is the only rental company that includes liability coverage in it's pricing, on SXM, others charge between $5 and $10 per day on top of the standard rate. IMHO Liability coverage is something you should not go without

Re: Liability Insurance Deductible [Re: Compskier] #196725
06/04/2019 08:04 PM
06/04/2019 08:04 PM
Joined: May 2008
Posts: 662
Plano, Texas
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cruzer Offline
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cruzer  Offline
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Plano, Texas
ACE offers $30k limit with a $2.5k deductible in its base rate. For $8/day you can increase those limits to $1.1 million and $800 deductible. I choose to go with the basic coverage, but YMMV.

Last edited by cruzer; 06/04/2019 08:04 PM.
Re: Liability Insurance Deductible [Re: cruzer] #196733
06/04/2019 09:14 PM
06/04/2019 09:14 PM
Joined: Nov 2002
Posts: 7,376
SXMWendell Offline
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SXMWendell  Offline
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Does anybody have an actual experience of using the liability insurance?

Wendell

Re: Liability Insurance Deductible [Re: Compskier] #196735
06/04/2019 09:23 PM
06/04/2019 09:23 PM
Joined: May 2008
Posts: 662
Plano, Texas
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cruzer Offline
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cruzer  Offline
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Posts: 662
Plano, Texas
Thankfully, I don't. I can't recall anyone here relating an incident, but maybe someone will respond.


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