Excuses To Sell You Unwanted Collision Waiver

seashoreCM

All around nice guy.
Joined
Aug 25, 2001
Messages
23,469
The way I will put it is that the car rental companies come up with the darndest ways to sell you extra insurance or collision waivers, etc.

Here is the excuse I got this past August 31 (Budget)

1. "Florida law requires that rental cars go out with insurance."

I decided to simply and quietly say I am declining all extra insurance coverage. They went so far as to ask me for proof of insurance on my car back at home, which I recommend you have a copy, and they even called my insurance agent!

They finally wrote the contract without insurance per my request.

Other excuses I have heard or have dreamed of:

2. "It is late and we can't reach your insurance company"
To which you simply reply (if that is what you want) "I wish to decline all extra coverages".

3. "We are entrusting a $25,000. piece of property [the car] with you."
To which you should NOT reply, "You made the reservation for X dollars per day and you advertise that collision coverage is optional. Tough, give me the car or refund my money even if it is Priceline!"
To which you should reply quietly (if you want to decline), "I wish to decline all extra coverages."

4. "You are responsible for any damage to the car and also for the time it is in the repair shop."
True. But use your own judgment to decide whether or not to purchase additional coverage. My credit card does pay for this "loss of use". Simply restate quietly that you are declining extra coverages, if that is what you want to do.

Always bring a copy of your reservation with the travel agent's phone number (Priceline is a travel agent and has such a number also) and if they refuse to give you the car, walk away from the counter and call the agent.

Note:If you do not have and use a credit card with a rental car collision benefit, AND you do not have your own car with collision insurance in place, I recommend accepting the rental company's collision coverage. Shop around for the best combined daily rate and collision waiver, do not use Priceline.

By the way I asked to see a copy of the "law that requires that rental cars go out with insurance" and they changed their story to say that the rental cars come with minimal liability insurance and above that I would be responsible.

Other Disney hints:
http://members.aol.com/ajaynejr/disney.htm
 
If you have car insurance in your personal name (not a business) and you are insured in New York, you do not need to buy any additional coverage. It is covered under the liability portion of your auto policy as long as you are not renting it for more than 30 days and you are in the US.
 
Those are some pretty slimy, strong-arm tactics.
 
In New York it is covered under your Property Damage coverage with a $100 ded. Gotta be careful there. If you have only $25,000 (state min), you are only covered up to $25,000 for the rental. Should not be a problem with small cars, but if you rent full size, vans, SUV's or premium vehicles it could be. Now if you have more the state min, you may be all set.
 













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