Rental Car ? - Chicagoland Sportbikes
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post #1 of 10 (permalink) Old 12-06-2005, 06:09 PM Thread Starter
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Rental Car ?

If you are renting a car, is it a good idea to pay for the extra insurance? It's quite pricey, I'd like to avoid it.

Am I covered under my own insurance (State Farm) if I drive a rental?

Say I wreck the rental or it gets stolen, am I liable to pay for the damage or the car?

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post #2 of 10 (permalink) Old 12-06-2005, 06:20 PM
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I know my insurance says it covers rentals, so I don't need it.

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post #3 of 10 (permalink) Old 12-06-2005, 07:06 PM
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under most policies you are covered by your own auto insurance. Ammex corp also comes with insurance. Best thing to do is ask your insurance co. just to be sure. You don't want to assume something and end up getting screwed.

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post #4 of 10 (permalink) Old 12-06-2005, 07:10 PM
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if you have state farm...THEY WILL NOT COVER IT...call your agent and get them to add on rental insurance for the time your car goes in until you get it out...they should be able to help you out...i already asked them this ? a while ago and added it to my policy until i got my 3rd car...

...plus my gf was with me saying "omg slow down, slow down" and I was thinking "Lose annoying squalk box in passenger seat, afford more mods and have less weight in the car and on the back of the bike"...so i dumped her and I'm single again as usual...HERE KITTY KITTY!!!
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post #5 of 10 (permalink) Old 12-06-2005, 07:10 PM
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+1 on what JoJo said. It takes 2 minutes to talk to your agent and ask. It can save you gobs of $$ .

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post #6 of 10 (permalink) Old 12-06-2005, 07:43 PM
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Getting the extra insurance from the rental company will save a lot of time if you do wreck.

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post #7 of 10 (permalink) Old 12-06-2005, 09:43 PM Thread Starter
Bop your way home...
 
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I figure there has to be at least liability on rental cars. I don't know of any state that will let you drive without insurance. I can see why buying the extra insurance would be good, but it's kind of a scam. You know get you worried about having to pay for the car so you shell out more dough.

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post #8 of 10 (permalink) Old 12-06-2005, 09:59 PM

 
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Most credit cards cover you for rentals and liability is usually covered by your own car insurance regardless of the vehicle you drive. Might just give your credit card company a call as well as your insurance to be sure. As far as purchasing the coverage from the rental company, I am instructed by the company I work for to decline those coverages as they are redundant to the credit card and extremely expensive.

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post #9 of 10 (permalink) Old 12-07-2005, 11:27 AM
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Just put it on your Platinum Amex.

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post #10 of 10 (permalink) Old 12-09-2005, 10:03 PM Thread Starter
Bop your way home...
 
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Join Date: May 2003
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Quote:
Originally Posted by butchf
Most credit cards cover you for rentals and liability is usually covered by your own car insurance regardless of the vehicle you drive. Might just give your credit card company a call as well as your insurance to be sure. As far as purchasing the coverage from the rental company, I am instructed by the company I work for to decline those coverages as they are redundant to the credit card and extremely expensive.
Good to hear!

I'll be calling my insurance agent too!

-Alan-
Balancing the Paradox
of Art and Profit
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