Originally Posted by
hakujin
I've been rummaging through this thread today and yesterday and am perplexed by the notion of free LDW on a corp AWD being a bonus...
On what planet is this anything but bad (unless of course you work for that corp)?
Whether it's G417900 (which consequently gives me the best rate for one day) or Citi or another with free LDW... when you get into an accident, who in their right mind thinks they'll be subject to the cap? Moreover, the company providing this incentive might still get involved, even if you say, 'no thanks - no worries, I'll just utilize my free Mastercard LDW coverage', and still sue you as contractually, this fender bender might count against their rate just the same and/or they may be obligated to pay in excess of the negotiated cap on damage to the vehicle. Now you're talking possibly implications to Mastercard/Visa/AMEX free LDW underwriting guidelines.
I just don't get it. The difference is $5 on my rate online and I'd glady use the discount w/o the LDW (i.e. perfectly comfortable with MasterInsurance (MC LDW as my primary as I only have liability through USAA), but to have that there just seems foreboding, definitely not reassuring...
You are overthinking way too much. I have been in 3 accidents with Avis cars, and to them, it's no big deal. Probably a daily occurance. In each case, I filled out the form, and never heard another thing from them. I'd imagine that most companies are too busy to spend time to police their auto rental users. In my humble opinion, the LDW cap is a huge bonus, because no matter who ends up paying, the maximum amount is capped at a reasonable amount. Many corporate contract with Avis are not limited strictly to employees. And in many cases the "employee" may be contracted, leased, loaned, independent sales rep, consultant, etc. I've been told by an Avis corporate business rep that they leave it up to each corporation to determine what qualifies as an employee. It makes sense. I'm sure Avis would prefer to get as many people as possible using Avis, as opposed to a competitor. If they take a few hits from "grey area" users, it's just a cost of doing business. Avis has reps out there soliciting these corporations for their business and competing with discount programs. Do you think they really care
who uses the discount? I don't. Most of these AWD's are all about the same discount rate anyway (give or take a few bucks). They want the business and they don't care where it comes from.