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Car insurance - St John (USVI)
#22900
09/23/2013 03:24 PM
09/23/2013 03:24 PM
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Anonymous
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Anonymous
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Hi! When we were going to go to Bonaire, found out that car insurance can be a real bugger and that American Express offers good rental car coverage when your home one won't cover you (typically out of US). So, if your auto policy covers rental cars, no need for additional coverage? I have State Farm and they confirmed I'm covered in the USVI. Not all rental places take Am Ex so it would be nice to know if we needed it or not. Any car insurance experts out there?
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Re: Car insurance - St John (USVI)
[Re: Eric_Hill]
#22902
09/23/2013 08:49 PM
09/23/2013 08:49 PM
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Anonymous
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Eric, great insights! It was actually my State Farm rep that said we were covered, but I will ask about the Jeep. I know the optional coverage offered by Am Ex is really good, but don't want to limit my selection of rental places to only those that take it. thx!
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Re: Car insurance - St John (USVI)
#22903
09/24/2013 09:46 AM
09/24/2013 09:46 AM
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Anonymous
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Anonymous
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You are dealing with three separate contracts: a car rental contract, a credit card contract, and an insurance contract.
You have to look closely at all three as often the car rental contract has provisions that are not covered. An example is diminished value of the vehicle after an accident , or loss of use.
It isn't at all easy to determine the responsibilities and coverages.
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