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Originally Posted by rentalguy
Originally Posted by Teddie2
Rental insurance through the rental company is much more expensive than if you go through priceline and buy their insurance but I am not really sure what the difference is. We never bought insurance because we used the cc insurance in the past but then discovered they will only pay as a secondary insurance if you have insurance for your own car.. my H does not want to use our insurance for the rental in the event something happens.. does not want to have our rates go up.. so we pay quite a bit when we rent (22 per day for many companies) but I noticed insurance through priceline is like half that.. I was not sure if that insurance was as good or as reliable should something happen.. Any one have any thoughts on this?
Why would you gamble for essentially $20?? Even if Priceline is cheaper, its still 3rd party coverage. In otherwords if you smack up the rental car, HERTZ will want their money. Then you need to go through the hassle of dealing with the priceline coverage carrier to get reimbursed. For a 2 day rental, this is crazy in my opinion. Spend the extra $20. If it was a longer rental and the savings were more substantial I could understand. For $20 you are gambling on $20000-30,000. Get it directly with the rental company and avoid the hassle should something happen.
I disagree with this. First of all, what "Hertz will want," and what Hertz will get are not necessarily the same thing. If I had LDW coverage for a car rental, either through my credit card, or Priceline's supplementary coverage, or Amex Premium Car Rental coverage, I would tell Hertz to deal directly with the insurer. They are certainly accustomed to doing so, and are not going to sue me if they know that they can collect their money faster and cheaper by cooperating with the insurer. Of course, there will be some paperwork that the renter will have to submit to the insurer if a claim is to be paid, but that's also true if you incur a loss on your personal auto.
Second, whether one rents a car one time for 30 days, or 15 times for two days each, the
daily cost for purchasing LDW from the rental-car company is the same, and a poor investment
if one is otherwise covered.
Note to
Teddie2: If you are a U.S. Resident, and do not wish to rely on your personal auto insurance coverage, you might want to look into Amex's Premium Car Rental Protection. For a flat fee of $20 or $25 per rental (not per day) you get $50,000 or $75,000 of
primary coverage for loss or damage to the rental car. Of course, all of these types of coverage only pay for loss of, or damage to, the rental car. If you hit another car or injure someone else, you still have to rely on your personal auto policy,
unless the damages are less than the minimums provided (in most states) by the car rental company, or you have purchased supplemental liability insurance (SLI) from the rental company.