Originally Posted by
garykung
Yes.
Financial responsibility law is to protect third-parties in case of an incident. It is not designed to protect your own. On the other hand, credit card benefit only protects your rental vehicle, not any damages you have caused to others. Many states do require drivers to meet financial responsibility law, in addition to the owner.
So having someone to pay for the damage is one thing. Meeting the financial responsibility law is another thing.
I do have personal insurance and can see that it would be applicable if another party were involved. But if Chase covers the vehicle as primary, I don't see how Enterprise has any right to say 'no, we're contacting your insurance company' for any damage to the car only. I suppose if they did I could just call my insurance myself and say to ignore Enterprise as I'll take care of it. I just found it unusual (and unacceptable) to be told that they don't 'accept' credit card insurance since I will figure out how I pay for any damage I cause to their car.