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Liability Insurance Deductible #196684
06/04/2019 12:37 PM
06/04/2019 12:37 PM
Joined: Sep 2001
Posts: 194
Compskier Offline OP
Traveler
Compskier  Offline OP
Traveler
Joined: Sep 2001
Posts: 194
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 07:20 PM
06/04/2019 07:20 PM
Joined: Jan 2018
Posts: 393
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Uksimonusa Offline
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Uksimonusa  Offline
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Joined: Jan 2018
Posts: 393
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 09:04 PM
06/04/2019 09:04 PM
Joined: May 2008
Posts: 706
Lake Texoma, Texas
C
cruzer Offline
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cruzer  Offline
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Joined: May 2008
Posts: 706
Lake Texoma, 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 09:04 PM.
Re: Liability Insurance Deductible [Re: cruzer] #196733
06/04/2019 10:14 PM
06/04/2019 10:14 PM
Joined: Nov 2002
Posts: 7,377
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 10:23 PM
06/04/2019 10:23 PM
Joined: May 2008
Posts: 706
Lake Texoma, Texas
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cruzer Offline
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cruzer  Offline
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Joined: May 2008
Posts: 706
Lake Texoma, Texas
Thankfully, I don't. I can't recall anyone here relating an incident, but maybe someone will respond.


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