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Old Jan 9, 2018, 7:15 pm
  #8  
manohman
 
Join Date: Jul 2016
Location: Canada
Programs: National EE, Enterprise Platinum, Hertz President's Circle, NEXUS
Posts: 106
Originally Posted by Often1
What if it's just $5,000 in damage to the vehicle and a broken leg or some such for a passenger or pedestrian?

The question is your risk tolerance. Indeed, any coverage you have under any form of affinity discount, e.g. contract ID or coupon, is voidable and most other policies are voidable if the underlying contract is fraudulent.

At what point an insurer decides to do some checking is a crap shoot. So, whether your fraud works or not isn't something you can predict up front.
Have you ever filed a credit card or CDW claim before? With the former, you provide your monthly credit card statement to show you paid for the rental with an eligible card, provide open and close rental documents, provide details about the accident and inform them of the damage. With the latter, you fill out a damage report with the rental agency, walk away and only hear from them when the claim is closed.

There is literally no questions about your eligibility to the discount. If it actually mattered, rental agencies would check your eligibility for the discount prior to giving you the keys which they don't. If you somehow come across a branch that insists on checking eligibility, just decline the rental and more than likely they'll waive the requirement because they don't want to lose potential business over eligibility that they actually don't give a .... about. Rental agencies are all about a numbers game, for example with my local Enterprise location, any car they have on the lot after 2PM on a Friday negatively affects their KPIs which is why they're more than likely to work out some sort of deal if you agree to pick up before 2PM or have the paperwork completed and submitted by 2PM and you rock up later to pick up the keys.
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