NOT TRUE! I was denied a car. They did not care if I had my own insurance. FACT: Stick with the national rental companies. Cost more but they will rent you a car.
Yeah don't listen to this guy. You need to check your own insurance policy and credit card policy very carefully for coverage on rental cars. They do not all include coverage. In fact most do not.
As a rental car company employee this is gold- never gonna push an additional protection on a customer if the customer knows their personal coverage adequately protects them
Problem is most customers have no idea what their policy covers. 40% of the claims we file are denied. In 8 years I have only seen 1 insurance claim fully cover damage to a rental car
agreed with you... car insurance wont cover for rental unless you buy full coverage. If not, u want to REJECT CDW and accept Liablity . The only thing u want to buy is liablity at the counter. CDW, Road side assistance or personal loss will cover by your credit card
Insurance doesn’t cover Loss of Use, but the rental car agency’s damage waiver does. Don’t get insurance advice from someone who isn’t licensed. Call your agent and check your coverage!
I had to pay out of pocket for a pot hole that ruined two tires. Plus over $800 in towing. Then I had to file a claim through both. Then get my money back weeks later. Plus my insurance rate went up, due to filing a claim. I should have gotten the waver.
Take photos/video when you turn-in rental cars, and be sure to include a PHOTO/video OF the FULL GAS TANK if you filled it up yourself (and keep your gasoline receipt!! There was this new rental car company I tried out in Los Angeles LAX, and the car return attendant tried to charge me $89 for refilling my "empty gas tank"; but luckily I'd taken a full video of my car along with showing the full gas tank view and submitted that to customer service, and they didn't charge me. SNEAKY DECEPTIVE people.
Hello rental car agent of 5 years here and I always take the lost damage wavier when I rent, because it will cover you on all damage. Example: if someone hits you or if you hit someone. Full coverage I don’t usually take because it just covers the car if it was stolen, or if something happens to the tires. LDW also isn’t $50 dollar a day lmao.
@@movingonandup322 By taking out the LDW, you're wavering any damages caused to the rental car, providing you haven't violated the terms of the policy.
I work for dollar, do you think you can help me improve on my sales I’d love to make a group chat on social or something where all csr’s can help eachother out with our sales and tips!!
This is misleading. Sooooooo ... 1) You have to have the right credit card, specifically one that has primary coverage. Most cards that offer coverage only offer secondary which comes after anything that is not covered by your insurance. 2) Call your insurance rep. Unless you have insurance for your personal vehicle and not just liability you most likely won't be covered. Or in situations where you own a corolla and are renting a minivan or suv, your insurance might only cover up to the same comparable vehicle you have. In addition he does not mention Loss of Use which insurance rarely covers. Loss of use is basically the daily charge that the rental company adds for every day the vehicle is in the repair shop. Read the fine print....
Yeah I wouldn’t advise a person renting a car to use your own insurance policy anything that happens with go on your policy and increase your insurance policy either take their coverage you don’t even need to tell them what happened unless the car was stolen or use your credit card. And I work for hertz
$40… PER DAY. Doubles the cost of the rental in many cases. So your saying “I’d just pay double, not worth the risk”. Maybe you can’t afford double. So now it’s “I’ll just stay home, not worth the risk” 😂
American express has Premium car rental protections, all you have to do is enable it, and it costs around 15 dollars for up to 42 days, not 15 a day but for 42 consecutives days.
Unfortunately most credit cards have deleted the rental car coverage. Only some Amex cards (With $600 annual fee) still offer rental car coverage). Check before you rent a car and decline coverage.
You mean most mid tier cards only offer secondary not primary. Which means they will cover everything your insurance won't pick up. Now you elite credit cards like venture x and amex gold or platinum or just about any travel card with high yearly membership fee will have primary coverage meaning they will pay up front without your insurance company even knowing.
@@odell2970 does that mean if you are at fault and your insurance company does not have to know and your credit card covers the damages, then it does not affect your driving history and does not cause your insurance premiums to go up?
@@jmat7103 only if your card has primary insurance coverage not secondary. As long as your card has primary coverage you will not need to file a claim with your insurance. If your card has secondary coverage you will need to file a claim with your insurance company.
What people fail to realize is if the person purposely hit you… most insurance companies don’t cover cost… also ($40) usually include liability which with hertz covers $1 million in damages
I used to work for entreprise rent a car. I sold the sh!t out of rental insurance It bailed me out too because I wrecked one of their vehicles, so I know it works lol. People freakout when they found out their little credit card insurance and own insurance denied their coverage. Not only that, if your deductible was super high. It would of been cheaper just to get the insurance for a few days than spend a grand on a deductible to cover a 20k car. This hit people in the face if people rented a vehicle when a hurricane 🌀 was coming through and they knew their ass was on the hook! Panic set in. oh shit, so we find out your insurance did not cover flooding? ouch!
Bro I work for dollar you think I can help me improve my sales?!👀 I have trouble convincing people with “full coverage” that is coverage for the other person not their vehicle😭
As an Enterprise Empolyee we still pursue your personal insurance and take your deductible, we don’t care about credit card coverage, you do that on your own accord not ours
@@bobcatsfan65 lmao as an enterprise employee in NY I’ve seen this first hand and worst of all the denial came in the form of the credit card rep saying no we don’t cover that on loud speaker lol 3,500 dollars worth of damages
I’ve seen about 10-15 customers over the years that have been royally screwed by thinking their credit card covers them on a rental car. Turns out actually getting them to cover it vs saying they will is a huge difference. Anywhere from 80-95 percent of the claims filed to credit card company’s are denied due to the fact that they will find a way to say you broke the contract(for example if at all you drove on a gravel road, could even be construction on a major highway and they would void the coverage) best advice actually find out what they do cover and what they don’t cover. Just bc a commercial says your good doesn’t mean it’s always true.
Make sure you check policy limitations. If you drive a 2020 malibu and opt for that escalade your policy may only cover up to the value of your vehicle. Same as such with your card.
Take a pic of your gas meter too. Returned a rental car with a full tank and they tried to charge me because they claimed that i didn't fill it up all the way. I showed them the pic and they apologized. Rental guy must’ve drove to another lot or something before turning in paperwork.
Except when your car insurance jacks up your rate after you have a claim…happened once and I’ll never do it again. I get the cdw and liability and then nothing comes after me or my insurance
If you take cdw and there’s damage they won’t go after your insurance company so your insurance rates won’t go up for a claim . Also in many cases the credit card company won’t make a decision on payment till they have someone inspect the vehicle . So in the mean time you are getting the rack rate added to potential total . Many CC try to deny the claim . Courts tend to agree with documented details . At most airports there’s tons of cameras that are videoing the car before you leave the facility and there’s even cameras recording your return to facility.
What you fail to mention is your personal insurance’s deductible. With most car rental insurances average price for coverage being $30 a day, a 7 day rental of $210 in insurance is better than having to pay a $500 deductible or even higher deductible for some people and even possibly increasing your monthly rate. Always buy the insurance on a vehicle you’re renting.
Enterprise’s protection products are there to ensure we don’t file a claim with your insurance, collect your deductible, or raise any of your premiums. Our damage waiver (depending on locations) is $30/day for cars and $35/day for premium vehicles and SUVS. DW is voided if an unauthorized person was driving the vehicle and wrecked, driving under the influence, if you were arrested, or if you were negligent. Roadside Assistance covers your basic needs and covers if you lose the keys. Supplemental Liability covers if you hit someone or their property up to $300,000 in damages and even death possibly. Personal Effects Coverage covers if someone breaks into the vehicle and steals your personal belongings when you’re in or away from the rental. We don’t scam you. It’s entirely up to you whether or not you chose to go through us to protect the vehicle for you.
On the other hand, you won’t be liable for any damage. The amount of headache you have to go through to put a claim especially with a rental car is annoying and isn’t worth it. It’s peace of mind that if anything happen you just walk away. It’s 100% worth it.
Not good advice. Primary goes to your insurance and card acts as a secondary but it’s not end all be all. Still have to file a claim, premiums still likely go up and any kind of towing charging 99% of the time would not be covered. Not to mention that insurance policies and credit card can vary greatly, so exactly what’s covered and what type of vehicle you were driving could lead to minimal help from insurance. Always take the rental insurance if you can afford it but stick with your own liability and other stuff
Not all credit cards or insurance companies cover loss of use, administrative fees and the fact that your premiums may go up. I would opt in for the DW.
You have to pay everything out of your pocket and wait for the insurance to reimburse and remember you are not in the same country and this will take time and stress you out. I always take full insurance for ease of mind and if I book the car online I do it without the online insurance, take the insurance directly from the supplier and you will not pay an extra penny
I have Discover and MasterCard (via Ulta) and neither credit card company covers rental cars. Usually its for the black card members who have like 15K limits etc. I always get the waiver. Its more pricey but its worth it. One time the windshield on my rental car had a crack in it. Not sure what happened but I didn't pay anything out of pocket for that crack. My dad on the other hand cheaps out and he got side swiped by another car. He had to replace their side mirror for $300. So, I say go for the insurance unless your CC covers it, your personal policy covers it or you're balling lol
Same things with cell phones. They will reimburse you if your phone is stolen. Thats why phone companies want you to use a debit card for a discount but if you use a credit card they wont. They do it so u can buy their insurance
Yeah I got full coverage with a rental company and some black lady hit me at a gas station... and started claiming that i hit her somehow and playing the victim card... I called the insurance, and they said, "No need to worry, you're covered. You don't need to take a picture or take any info." Skip to a month later where my personal insurance is calling me saying I'm liable all because the rental company didn't provide any info back or report the accident... leaving me with nothing but being liable... its pathetic
Dont listen theres not a insurance company in the world that covers "loss of use" always take the waiver if your unsure. You can roll the car off the cliff and not have to pay 1$ in damages to the car
You still would have to pay everyday that the car is in the shop and not being rented regardless and the added insurance is so that if you get in a accident with the rental but still need a rental, the rental agency will give you another vehicle no questions asked and you won’t be paying a deductible on the accident you had on the rental through your insurance.
You forgot to mention, loss of use the company will charge, no DC or personal insurance covers that, and most DC now don't cover car rentals,. If your drive a beater with pip, that insurance will do nothing on a rental. Scrap advice here
You didn’t mention loss of use and liability insurance, most cards if not all do not have that. Basically check with your insurance on these. Also if this is a business rental will your personal ins cover? What about vehicles larger than 8 passenger? Those transit 12 pax are popular with large groups. Cards don’t cover them. Better be safe than sorry.
Here’s better advice. ALWAYS travel with a copy of your insurance declaration page regardless if it’s through your car insurance or credit card. Car rental companies want to make money and the latest trick I’ve seen is where they ask to see your declaration page (electronic or paper, whatever floats your boat). Of course the average person doesn’t have it nor are they able to find it online so they’re essentially “forced” to pay out of pocket for additional insurance they already have. Safe travels y’all!
How much will your insurance cover though? If you drive into someone’s Mercedes Benz and it costs 50,000 in repairs. Then your insurance only covers 30,000 your screwed then.
Not necessarily, credit card companies don’t cover for uninsured or underinsured motorists or liability if you hit a 3rd party. So if you get into an accident that’s your fault or someone hits you that’s not fully insured, you aren’t getting reimbursed plus you insurance policy goes up either way when you get into an accident whether you are at fault or not. Credit cards don’t reimburse you for you monthly policy going up for 6 months. In the long run, you are still paying more when you could just pay the protections at the rental car place. I work in insurance so I know…
Even if your credit card has insurance, you the rental company will still charge you and you have to wait for the reimbursement from the credit card company. Personally thats too much of a hassle for me so i’d opt for the zero liability coverage.
First mistake don’t rent a car from hertz lol enterprise holdings is supreme 🤑🤑 we do mite the market share and actually take care of customers unlike the inferior competition!
I have my personal insurance setup to be able to drive any car, regardless of who owns it, with full collision, maxed out for everything else including uninsured driver, passenger, property, etc and I have a $100 deductible. Covers me in a car worth up to $150k. My wife and I together are $130 a month lol I do have some rental insurance on the credit card I rent with too, but I don’t rely on it. It’s a back up.
Yeah bro I work at enterprise , this explanation is terrible. Don’t forget to check if your insurance covers loss of use and don’t be surprised if your insurance increases your policy
Ya but your personal car insurance has a deductible of either 500 to a thousand per claim. But since you think your smart paying 500 for a something that only costs a hundred and something to fix but your contract either way they win . But since you think it is so much smarter to go thru your insurance do it I’m sure it won’t go up .
Let me tell you I work im customer service and I cant count how many times customers come up with shit like this cause there trying to be smart or cheap and end up crying and bitching cause their credit card or insurance did not want to cover damage expenses
Not all credit cards cover rental car insurance only select cards do, so please do your own personal research and pay with the card that has rental coverage.
@@Capncook904 nah bro, I travel all around the world and never paid over $14 a day for rental car insurance. I just left Sydney, Australia two weeks ago and even tho I didn't rent a car I do know it wasn't $40 a day for rental car insurance there.
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@@odell2970depends on what car you rent and where you are, apparently. Especially Spain (Balearic Islands, Canaries) seems to be quite expensive, likely due to stuff happening all the time there.
And always check your contract after you leave the facility. Some car rental reps are assholes and will still add their insurance without you noticing it and you will have a hard time trying to get a refund.
Make sure to read fine prints. Ontario man just got his ram 1500 stolen and cc company refused to pay as it didn't have the coverage f9r stolen cars. He's stuck with 82k candian dollars
Definitely not how it works credit card company will not cover anything your insurance doesn’t and let alone reimbursement for a claim already paid out by an insurance company, also what you missed out was the time hassle that process takes your better off purchasing the the damage waiver besides who wants a rental claim on their license for 7 years not this guy
Car insurance doesn’t cover rental cars lol. The rental car coverage you pay for on your policy is if you’re in an accident and you need a rental because of said accident. 99% of credit card coverage only goes into effect after you’ve expended your liability of your auto insurance policy.
Not quite. AMEX card has the option for premium rental coverage, which works as a primary insurance only for $19 per rental period vs $40 per day they ask at rentals.
dont do it lol u will end up owing the money for the car and legally they can’t close out your contract til damages or there n police report has been made so ur going to be legally responsible for the car. the best option is to buy the daily rate
Exactly agree with you! Holiday is worried free 😎😎 People go on holiday so of course spend the money. No money better not holiday then cheapskates holiday, just got headache.
pls don't listen to him. take the coverage. your credit card loss of use will automatically be voided if you use your insurance for any damages or loss of use
If you’re 18 you can’t rent a car, you have to be 21years of age or older. What a dumb ass law. Florida speaking here..I’m in collision and you would be shocked how many times I’ve seen 18-20 yr olds not being able to get a rental even though the insurance company takes their money every month for coverage for a rental car in case of a collision. Such bs man…I’ve seen young adults who aren’t 21 yet who have no family in the area simply stuck! Had to Uber everywhere even though they paid for that exact coverage.
I'd call them/your broker and ask what exactly your coverage on rentals is if I were you. Personally I just buy the waiver when I rent stuff but that's just me. Never done damage to a rental (well maybe burned a bit of the tires off :) but the day it happens I don't want to deal with my personal insurance
I found what mine covers online. I just googled it and found a PDF. For instance search "chase Mastercard rental car insurance" or whatever your financial instituting and card type
➡️Financial Freedom Resources👇
beacons.ai/thelegacyinvestingshow/
NOT TRUE! I was denied a car. They did not care if I had my own insurance.
FACT: Stick with the national rental companies. Cost more but they will rent you a car.
Current phone numbers are unlisted
Yeah don't listen to this guy. You need to check your own insurance policy and credit card policy very carefully for coverage on rental cars. They do not all include coverage. In fact most do not.
As a rental car company employee this is gold- never gonna push an additional protection on a customer if the customer knows their personal coverage adequately protects them
Problem is most customers have no idea what their policy covers. 40% of the claims we file are denied. In 8 years I have only seen 1 insurance claim fully cover damage to a rental car
agreed with you... car insurance wont cover for rental unless you buy full coverage. If not, u want to REJECT CDW and accept Liablity . The only thing u want to buy is liablity at the counter. CDW, Road side assistance or personal loss will cover by your credit card
@@BabyGangsterIsMe not necessarily. Not all credit cards are created equally. Also a debt card won't cover anything
He literally wrote this in the video. It says to verify your own policies.
$40 for me to not give a fuck? Deal.
best attitude
I think it is usually $40 more per day.
😂😂😂
@@igloozoo3771I’ve seen from 32 to 65 a day depending on the company
exactly...b/c anything can happen....hail storm, theft, side swiped...here's the keys and walk away
Insurance doesn’t cover Loss of Use, but the rental car agency’s damage waiver does.
Don’t get insurance advice from someone who isn’t licensed. Call your agent and check your coverage!
I had to pay out of pocket for a pot hole that ruined two tires. Plus over $800 in towing. Then I had to file a claim through both. Then get my money back weeks later. Plus my insurance rate went up, due to filing a claim. I should have gotten the waver.
Take photos/video when you turn-in rental cars, and be sure to include a PHOTO/video OF the FULL GAS TANK if you filled it up yourself (and keep your gasoline receipt!! There was this new rental car company I tried out in Los Angeles LAX, and the car return attendant tried to charge me $89 for refilling my "empty gas tank"; but luckily I'd taken a full video of my car along with showing the full gas tank view and submitted that to customer service, and they didn't charge me.
SNEAKY DECEPTIVE people.
Damn they tried it!!😂
Thank you!
Hello rental car agent of 5 years here and I always take the lost damage wavier when I rent, because it will cover you on all damage. Example: if someone hits you or if you hit someone. Full coverage I don’t usually take because it just covers the car if it was stolen, or if something happens to the tires. LDW also isn’t $50 dollar a day lmao.
How much is the damage waiver.
It was 40$ a day with Hertz last time I checked . This was for Canada.
Is LDW the same thing as CDW? Also, doesn't "waiver" mean you are waiving, or denying/foregoing, something, like coverage?
@@movingonandup322 By taking out the LDW, you're wavering any damages caused to the rental car, providing you haven't violated the terms of the policy.
I work for dollar, do you think you can help me improve on my sales I’d love to make a group chat on social or something where all csr’s can help eachother out with our sales and tips!!
This is misleading. Sooooooo ...
1) You have to have the right credit card, specifically one that has primary coverage. Most cards that offer coverage only offer secondary which comes after anything that is not covered by your insurance.
2) Call your insurance rep. Unless you have insurance for your personal vehicle and not just liability you most likely won't be covered. Or in situations where you own a corolla and are renting a minivan or suv, your insurance might only cover up to the same comparable vehicle you have.
In addition he does not mention Loss of Use which insurance rarely covers. Loss of use is basically the daily charge that the rental company adds for every day the vehicle is in the repair shop.
Read the fine print....
Yeah I wouldn’t advise a person renting a car to use your own insurance policy anything that happens with go on your policy and increase your insurance policy either take their coverage you don’t even need to tell them what happened unless the car was stolen or use your credit card. And I work for hertz
I’d just pay the 40 dollars…….. insurance has so many small print and exclusions it’s not worth the risk.
Your wrong
@@chofyam3466if you're worried bout that then u should be worried there's small print in that $40 waiver as well
@@chofyam3466I'm not saying there is, but it's just a thought.
$40… PER DAY. Doubles the cost of the rental in many cases. So your saying “I’d just pay double, not worth the risk”. Maybe you can’t afford double. So now it’s “I’ll just stay home, not worth the risk” 😂
@@jdoobiest $40/day is peanuts
how to get put on the dnr list 😂 quick tip get the insurance and you can do whatever you want to the car, it’s worth it
American express has Premium car rental protections, all you have to do is enable it, and it costs around 15 dollars for up to 42 days, not 15 a day but for 42 consecutives days.
This☝️☝️ 100%
Unfortunately most credit cards have deleted the rental car coverage. Only some Amex cards (With $600 annual fee) still offer rental car coverage). Check before you rent a car and decline coverage.
Amex gold got this and you pay about 200 at year..
You mean most mid tier cards only offer secondary not primary. Which means they will cover everything your insurance won't pick up. Now you elite credit cards like venture x and amex gold or platinum or just about any travel card with high yearly membership fee will have primary coverage meaning they will pay up front without your insurance company even knowing.
@@odell2970 does that mean if you are at fault and your insurance company does not have to know and your credit card covers the damages, then it does not affect your driving history and does not cause your insurance premiums to go up?
@@jmat7103 only if your card has primary insurance coverage not secondary. As long as your card has primary coverage you will not need to file a claim with your insurance. If your card has secondary coverage you will need to file a claim with your insurance company.
@@odell2970 thank you.
Check with your insurance to be sure but if they do go for it. Declining the coverage on an 11 day rental with Dollar saved me $800.
If you don't already have car insurance, you wont have liability coverage FYI. Credit cards only cover you for collision.
What people fail to realize is if the person purposely hit you… most insurance companies don’t cover cost… also ($40) usually include liability which with hertz covers $1 million in damages
I used to work for entreprise rent a car. I sold the sh!t out of rental insurance
It bailed me out too because I wrecked one of their vehicles, so I know it works lol.
People freakout when they found out their little credit card insurance and own insurance denied their coverage. Not only that, if your deductible was super high. It would of been cheaper just to get the insurance for a few days than spend a grand on a deductible to cover a 20k car.
This hit people in the face if people rented a vehicle when a hurricane 🌀 was coming through and they knew their ass was on the hook! Panic set in.
oh shit, so we find out your insurance did not cover flooding? ouch!
Bro I work for dollar you think I can help me improve my sales?!👀 I have trouble convincing people with “full coverage” that is coverage for the other person not their vehicle😭
Chase Sapphire Reserve offers primary coverage 💃🏽
As an Enterprise Empolyee we still pursue your personal insurance and take your deductible, we don’t care about credit card coverage, you do that on your own accord not ours
@@bobcatsfan65 we would say the same at hertz man and people still wanted to be dumb and find out the hard way
@@bobcatsfan65 lmao as an enterprise employee in NY I’ve seen this first hand and worst of all the denial came in the form of the credit card rep saying no we don’t cover that on loud speaker lol 3,500 dollars worth of damages
I’ve seen about 10-15 customers over the years that have been royally screwed by thinking their credit card covers them on a rental car. Turns out actually getting them to cover it vs saying they will is a huge difference. Anywhere from 80-95 percent of the claims filed to credit card company’s are denied due to the fact that they will find a way to say you broke the contract(for example if at all you drove on a gravel road, could even be construction on a major highway and they would void the coverage) best advice actually find out what they do cover and what they don’t cover. Just bc a commercial says your good doesn’t mean it’s always true.
Make sure you check policy limitations. If you drive a 2020 malibu and opt for that escalade your policy may only cover up to the value of your vehicle. Same as such with your card.
Take a pic of your gas meter too. Returned a rental car with a full tank and they tried to charge me because they claimed that i didn't fill it up all the way. I showed them the pic and they apologized. Rental guy must’ve drove to another lot or something before turning in paperwork.
Shame your credit card wont save you from an arrest when Hertz say you stole the car you rented.
Remember if anything happens then you get screwed with your insurance. You will get a point if you caused the accident
Except when your car insurance jacks up your rate after you have a claim…happened once and I’ll never do it again. I get the cdw and liability and then nothing comes after me or my insurance
If you take cdw and there’s damage they won’t go after your insurance company so your insurance rates won’t go up for a claim . Also in many cases the credit card company won’t make a decision on payment till they have someone inspect the vehicle . So in the mean time you are getting the rack rate added to potential total . Many CC try to deny the claim . Courts tend to agree with documented details . At most airports there’s tons of cameras that are videoing the car before you leave the facility and there’s even cameras recording your return to facility.
They then proceed to accuse you of stealing their cars. 😂
I know right 😅😅😅
What you fail to mention is your personal insurance’s deductible. With most car rental insurances average price for coverage being $30 a day, a 7 day rental of $210 in insurance is better than having to pay a $500 deductible or even higher deductible for some people and even possibly increasing your monthly rate. Always buy the insurance on a vehicle you’re renting.
Enterprise’s protection products are there to ensure we don’t file a claim with your insurance, collect your deductible, or raise any of your premiums. Our damage waiver (depending on locations) is $30/day for cars and $35/day for premium vehicles and SUVS. DW is voided if an unauthorized person was driving the vehicle and wrecked, driving under the influence, if you were arrested, or if you were negligent. Roadside Assistance covers your basic needs and covers if you lose the keys. Supplemental Liability covers if you hit someone or their property up to $300,000 in damages and even death possibly. Personal Effects Coverage covers if someone breaks into the vehicle and steals your personal belongings when you’re in or away from the rental. We don’t scam you. It’s entirely up to you whether or not you chose to go through us to protect the vehicle for you.
Lots of eclusions when it comes to credit cards and personal car insurance. Peace of mind by using rental companies coverage.
On the other hand, you won’t be liable for any damage. The amount of headache you have to go through to put a claim especially with a rental car is annoying and isn’t worth it. It’s peace of mind that if anything happen you just walk away. It’s 100% worth it.
💯
Not good advice. Primary goes to your insurance and card acts as a secondary but it’s not end all be all. Still have to file a claim, premiums still likely go up and any kind of towing charging 99% of the time would not be covered. Not to mention that insurance policies and credit card can vary greatly, so exactly what’s covered and what type of vehicle you were driving could lead to minimal help from insurance. Always take the rental insurance if you can afford it but stick with your own liability and other stuff
Loss of use
Not all credit cards or insurance companies cover loss of use, administrative fees and the fact that your premiums may go up. I would opt in for the DW.
If you can deny the coverage. It’s obviously elective.
Master Card Black doesn’t cover 3rd party’s damages.
$40 you don’t have to worry about insurance premiums going up if you’re at fault
Amex covers $75k up to 100k as primary coverage. Depending on your card it could cost you $15 for 40 days of coverage. Varies per card
You have to pay everything out of your pocket and wait for the insurance to reimburse and remember you are not in the same country and this will take time and stress you out. I always take full insurance for ease of mind and if I book the car online I do it without the online insurance, take the insurance directly from the supplier and you will not pay an extra penny
I have Discover and MasterCard (via Ulta) and neither credit card company covers rental cars. Usually its for the black card members who have like 15K limits etc. I always get the waiver. Its more pricey but its worth it. One time the windshield on my rental car had a crack in it. Not sure what happened but I didn't pay anything out of pocket for that crack. My dad on the other hand cheaps out and he got side swiped by another car. He had to replace their side mirror for $300. So, I say go for the insurance unless your CC covers it, your personal policy covers it or you're balling lol
Same things with cell phones.
They will reimburse you if your phone is stolen. Thats why phone companies want you to use a debit card for a discount but if you use a credit card they wont. They do it so u can buy their insurance
Yeah I got full coverage with a rental company and some black lady hit me at a gas station... and started claiming that i hit her somehow and playing the victim card... I called the insurance, and they said, "No need to worry, you're covered. You don't need to take a picture or take any info." Skip to a month later where my personal insurance is calling me saying I'm liable all because the rental company didn't provide any info back or report the accident... leaving me with nothing but being liable... its pathetic
What?
Dont listen theres not a insurance company in the world that covers "loss of use" always take the waiver if your unsure. You can roll the car off the cliff and not have to pay 1$ in damages to the car
That sounds like a challenge. I don't have to be in the car right?
You still would have to pay everyday that the car is in the shop and not being rented regardless and the added insurance is so that if you get in a accident with the rental but still need a rental, the rental agency will give you another vehicle no questions asked and you won’t be paying a deductible on the accident you had on the rental through your insurance.
your insurance company wont cover the money they lose for not renting it out
Is always better to have the full cover directly with the company when is renting a car…..if I am in holiday I don’t want worry about anything!!!!!!
Always get the rental insurance
You forgot to mention, loss of use the company will charge, no DC or personal insurance covers that, and most DC now don't cover car rentals,. If your drive a beater with pip, that insurance will do nothing on a rental. Scrap advice here
I checked my personal insurance they said nope😮
You didn’t mention loss of use and liability insurance, most cards if not all do not have that. Basically check with your insurance on these. Also if this is a business rental will your personal ins cover? What about vehicles larger than 8 passenger? Those transit 12 pax are popular with large groups. Cards don’t cover them. Better be safe than sorry.
Here’s better advice. ALWAYS travel with a copy of your insurance declaration page regardless if it’s through your car insurance or credit card. Car rental companies want to make money and the latest trick I’ve seen is where they ask to see your declaration page (electronic or paper, whatever floats your boat). Of course the average person doesn’t have it nor are they able to find it online so they’re essentially “forced” to pay out of pocket for additional insurance they already have. Safe travels y’all!
Pay the insurance and deductibles in case of damage, and do the reclamation to your credit card insurance with the final invoice from rental car
How much will your insurance cover though? If you drive into someone’s Mercedes Benz and it costs 50,000 in repairs.
Then your insurance only covers 30,000 your screwed then.
Not necessarily, credit card companies don’t cover for uninsured or underinsured motorists or liability if you hit a 3rd party. So if you get into an accident that’s your fault or someone hits you that’s not fully insured, you aren’t getting reimbursed plus you insurance policy goes up either way when you get into an accident whether you are at fault or not. Credit cards don’t reimburse you for you monthly policy going up for 6 months. In the long run, you are still paying more when you could just pay the protections at the rental car place. I work in insurance so I know…
Even if your credit card has insurance, you the rental company will still charge you and you have to wait for the reimbursement from the credit card company. Personally thats too much of a hassle for me so i’d opt for the zero liability coverage.
First mistake don’t rent a car from hertz lol enterprise holdings is supreme 🤑🤑 we do mite the market share and actually take care of customers unlike the inferior competition!
Yes sr you can deny the insurance, just left the value of the car as deposit... Terms and conditions dude
thx so much!
I have my personal insurance setup to be able to drive any car, regardless of who owns it, with full collision, maxed out for everything else including uninsured driver, passenger, property, etc and I have a $100 deductible. Covers me in a car worth up to $150k.
My wife and I together are $130 a month lol
I do have some rental insurance on the credit card I rent with too, but I don’t rely on it. It’s a back up.
Don’t pay the extra money. Just use your American Express that’s all. You are good to go. If you don’t have an American Express. Then just pay 😂
Yeah bro I work at enterprise , this explanation is terrible. Don’t forget to check if your insurance covers loss of use and don’t be surprised if your insurance increases your policy
Ya but your personal car insurance has a deductible of either 500 to a thousand per claim. But since you think your smart paying 500 for a something that only costs a hundred and something to fix but your contract either way they win . But since you think it is so much smarter to go thru your insurance do it I’m sure it won’t go up .
Let me tell you I work im customer service and I cant count how many times customers come up with shit like this cause there trying to be smart or cheap and end up crying and bitching cause their credit card or insurance did not want to cover damage expenses
Not all credit cards cover rental car insurance only select cards do, so please do your own personal research and pay with the card that has rental coverage.
Incorrect ‼️ Not all insurance carriers will carry over to a rental....🤟
I for buying extra insurance for a rental, however I never seen one for $40 a day. That's extremely high 😂
Those are the new modern prices
@@Capncook904 nah bro, I travel all around the world and never paid over $14 a day for rental car insurance. I just left Sydney, Australia two weeks ago and even tho I didn't rent a car I do know it wasn't $40 a day for rental car insurance there.
@@odell2970depends on what car you rent and where you are, apparently. Especially Spain (Balearic Islands, Canaries) seems to be quite expensive, likely due to stuff happening all the time there.
my Sapphire Preferred has primary coverage
We still pursue your personal car insurance and film a claim through them 😅
It doesn't cover Teslas
They don’t cover loss of use 😢
And always check your contract after you leave the facility. Some car rental reps are assholes and will still add their insurance without you noticing it and you will have a hard time trying to get a refund.
Make sure to read fine prints. Ontario man just got his ram 1500 stolen and cc company refused to pay as it didn't have the coverage f9r stolen cars. He's stuck with 82k candian dollars
Some cards offer primary insurance on rentals, meaning you don't even need to involve your personal car insurance.
Definitely not how it works credit card company will not cover anything your insurance doesn’t and let alone reimbursement for a claim already paid out by an insurance company, also what you missed out was the time hassle that process takes your better off purchasing the the damage waiver besides who wants a rental claim on their license for 7 years not this guy
All the rental company cars even U-Haul wanna ensure the car giving it to you this is not new
Yeah, this happened to me
Not all credit cards do that. I personally called about this on one specific card and they said, nope.
BS, they don't cover liability.
He definitely doesn’t know what he’s talking about , why tf would your insurance not take your deductible for one
Doesn't pay loss of use.
only conus rentals, not overseas
If you don’t have insurance pay for the rentals but if you do have it yeah don’t pay them. This is an easy concept.
False info, always check company policy and insurance policy
So you wanna go through your insurance and deal with that hastle when your on vacation instead of walking away that’s stupid 😂
Car insurance doesn’t cover rental cars lol. The rental car coverage you pay for on your policy is if you’re in an accident and you need a rental because of said accident.
99% of credit card coverage only goes into effect after you’ve expended your liability of your auto insurance policy.
Not quite. AMEX card has the option for premium rental coverage, which works as a primary insurance only for $19 per rental period vs $40 per day they ask at rentals.
dont do it lol u will end up owing the money for the car and legally they can’t close out your contract til damages or there n police report has been made so ur going to be legally responsible for the car. the best option is to buy the daily rate
Happens to me, I have to pay $500 deductible, so now when I rent a car for roadtrip, I have to get their insurance to be worried free.
Exactly agree with you! Holiday is worried free 😎😎
People go on holiday so of course spend the money. No money better not holiday then cheapskates holiday, just got headache.
Don't listen to this guy make sure you check with your policy.
That’s false depends on the card and most of the time they only cover deductible.
Scratched the rental car once on accident. 10/10 would buy insurance each time now
Weak, I did it on purpose.
Still would get insurance
pls don't listen to him. take the coverage. your credit card loss of use will automatically be voided if you use your insurance for any damages or loss of use
The credit card insurance pay for the deductible. It doesn't void insurance. Where'd you get that info from?
Chase bank credit card cover full cover for rentals, your welcome
Lmao most of the time the reimburst you after you pay and it dings your insurance making your insurance higher, don’t listen to this guy
If you’re 18 you can’t rent a car, you have to be 21years of age or older. What a dumb ass law. Florida speaking here..I’m in collision and you would be shocked how many times I’ve seen 18-20 yr olds not being able to get a rental even though the insurance company takes their money every month for coverage for a rental car in case of a collision. Such bs man…I’ve seen young adults who aren’t 21 yet who have no family in the area simply stuck! Had to Uber everywhere even though they paid for that exact coverage.
Do I have to call my insurance company to get insurance for the rental or is it automatic
I'd call them/your broker and ask what exactly your coverage on rentals is if I were you. Personally I just buy the waiver when I rent stuff but that's just me. Never done damage to a rental (well maybe burned a bit of the tires off :) but the day it happens I don't want to deal with my personal insurance
That doesn’t apply to everyone. Please educate yourself about you’re insurance before listening to this guy
I don’t even insurance so I’m getting their goddam insurance lmao
Except NU car rental mandates you get it 😢
Additional 40 dollars a day? lol more like 10-15 my dood. The car itself costs more like 40$ a day not the insurance…
Read the terms of your credit card carefully before following this guy's advice. Some cards won't cover luxury vehicles like Teslas.
So there’s a lot of stuff that a credit card won’t cover and usually if something does happen they refuse to cover a lot of other stuff
This isn’t how it works
All credit cards ? What should I ask my cc Leander to know if they cover ?
I found what mine covers online. I just googled it and found a PDF. For instance search "chase Mastercard rental car insurance" or whatever your financial instituting and card type