AMP wrote, in part:
QUOTE:
Big problem with a damaged rental car is your contract for rental clock continues to run while the vehicle is out for repair and not available in their fleet for rental. That can add up to be a big bill quick.
Bob,
Thanks for the info.
That is the "dreaded loss of service" issue I was talking about.
As you indicated, the insurance issue is probably the most complex and risky part of renting a car.
You've got to invest some of your time talking with your insurance company to find out how much they will cover your liability and collision/comprehensive insurance for the rental car.
If you have a major credit card, especially a "platinum" card, they
may cover some insurance as well, but you've got to check it out.
Also, their coverage for vans/trucks may not be as good as their coverage for passenger cars.
You can save money IF you can decline the rental car company's insurance coverage (sometimes equal to the car rental). But
don't decline it unless you are covered by your own insurance/credit card. You do NOT want to be on the hook for damage to a $30,000 rental car and you definitely don't want to be on the hook for a major personal injury liability judgement.
Check all this out
when you reserve the rental car. You don't want to be caught without information when you're standing at the rental counter at 11:30 Saturday and the rental office closes at noon!
Two more items,
- Check out on any restrictions on where you can take the car. (My rental contract in Hawaii specified that I couldn't take the car out of state.)
- If you are "car pooling" and want any additional drivers authorized, you will at least have to have a copy of their drivers license and they may have to be there in person.
I will admit that it took a real readjustment of my thinking to consider renting a car when I had my own van available, but it made sense financially and the breakdown coverage is a good thing.
Happy traveling,
Don Potter