Originally Posted by guv1976

Wirelessly posted (BlackBerry8703e/4.1.0 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/104)



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.