Originally Posted by
srodr
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.
It is totally acceptable, as you have a fundamental misunderstanding.
According to
CA DMV:
"Financial responsibility (
commonly known as insurance) is required on all vehicles operated or parked on California roadways." Interestingly, the CA DMV does not actually require insurance, but instead accept the following:
"- Motor vehicle liability insurance policy.
- Cash deposit of $35,000 with DMV.
- DMV-issued self-insurance certificate.
- Surety bond for $35,000 from a company licensed to do business in California."
Because of this common misunderstanding, many simply ask for insurance. What they actually mean is proof of financial responsibility.
There is actually no law mandating how you need to pay for the damages if you are found to be responsible. Cash, insurance, credit card, etc. No one really cares as soon as it has been paid.
Bottom line, when the Enterprise agent really means financial responsibility, you are thinking liability coverage. Hence, the fundamental misunderstanding.