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re: What is the purpose of buying insurance on a rental car if you have your own?
Posted on 6/3/19 at 8:27 am to ctiger69
Posted on 6/3/19 at 8:27 am to ctiger69
quote:
Why would anybody with good automobile insurance take out additional insurance on a rental car? Seems like a waste of money to me
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
Posted on 6/3/19 at 8:28 am to udtiger
quote:
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
Correct
This is the obvious answer
Posted on 6/3/19 at 8:31 am to udtiger
quote:
Because if you buy theirs, theirs is primary
The Chase Sapphire Reserve card provides primary rental coverage.
Posted on 6/3/19 at 9:16 am to udtiger
quote:
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
This. Even with the slightest issue you'll get dropped if it happens in a rental car. Happened to me. I was not at fault, still dropped. State Farm, btw.
If you're in town where you live because your vehicle is in the shop,I can kinda see not buying the Hertz insurance.
but if you're out of town in an unfamiliar city, get the max insurances every time.
ETA: American Express/Chase/Credit card "rental insurance" is only liability for THEM, or something shady and misleading like that.... and does zero for you. They wont help at all.
Personal experience.
This post was edited on 6/3/19 at 9:19 am
Posted on 6/3/19 at 11:23 am to udtiger
quote:
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
And because I'm going to abuse it with peace of mind.
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