Originally Posted by
skhosla
- What's the point of secondary coverage? If I have a claim and need to report to my auto insurance company (and am willing to live with deductible / premium increase), then is there any reason/benefit to also reporting through my credit card?
On the loss of use point, one should always ask the agency to provide documentation that their entire fleet was indeed sold out for the days when your vehicle couldn't be used. This is usually done by insurance co's etc.
1) The secondary coverage pays for your deductible, unless your deductible is very low and you couldn't care less. Most people have 250 to 500 deductible - with the 250 deductible, a claim usually jacks up your premium by sizable %. That is why some here opt for the Diner card or buy the coverage from AMEX if you have AMEX Gold reward card.
2) It does not need to be entire fleet sold out - because a rental car company would not give a, say, a compact car to a renter who wants a full size, - they usually go by % of usage, ranging from certain % to certain % - it seems to be a highly-guarded secret, and for good reason.
Suggest you do a search on the various rental car forums on FT, esp the one frequently received input from an Avis manager, you would understand there is a big gap between practice and theory. Good luck for your need to get that if you are unlucky to need to go thru that in the future. Be sure to post back your experience so we can learn.