Liability insurance on Rental Car in California
#1
Original Poster
Join Date: May 2003
Posts: 86
Liability insurance on Rental Car in California
I rented a car at LAX at the weekend intending to use my own liability insurance. However I did not take a copy of my own policy with me.
The counter agent insisted that it would be illegal for me to drive the car unless I bought the their liability insurance since I would have no proof of insurance if I was stopped by police.
Is this correct or was I scammed ?
I know that the rental car companies do not provide any liability insurance in California but even after I bought their insurance I still had no explicit proof of insurance only an unclear entry on the rental agreement.
I noticed that their was 'a certificate of self insurance' in the glove box.
In the past I have rented without carrying my own insurance policy - was that not allowed?
The counter agent insisted that it would be illegal for me to drive the car unless I bought the their liability insurance since I would have no proof of insurance if I was stopped by police.
Is this correct or was I scammed ?
I know that the rental car companies do not provide any liability insurance in California but even after I bought their insurance I still had no explicit proof of insurance only an unclear entry on the rental agreement.
I noticed that their was 'a certificate of self insurance' in the glove box.
In the past I have rented without carrying my own insurance policy - was that not allowed?
#3
Join Date: Mar 2009
Location: SBA-EZE
Programs: UA1k, AA EXP, PC Plat, Club Carlson Concierge, Hyatt Plat, SPG Gold, Hilton Gold
Posts: 349
I think you were scammed. it is my understanding that Rental car companies in California are not allowed to require proof of insurance. I would follow up with a complaint to the rental company you were dealing with requesting a reimbursement of what you were charged, and put a CC in to the California Attorney General, they sued Fox rent a car over similar issues in the past. What was the company that you were dealing with?
I rented a car at LAX at the weekend intending to use my own liability insurance. However I did not take a copy of my own policy with me.
The counter agent insisted that it would be illegal for me to drive the car unless I bought the their liability insurance since I would have no proof of insurance if I was stopped by police.
Is this correct or was I scammed ?
I know that the rental car companies do not provide any liability insurance in California but even after I bought their insurance I still had no explicit proof of insurance only an unclear entry on the rental agreement.
I noticed that their was 'a certificate of self insurance' in the glove box.
In the past I have rented without carrying my own insurance policy - was that not allowed?
The counter agent insisted that it would be illegal for me to drive the car unless I bought the their liability insurance since I would have no proof of insurance if I was stopped by police.
Is this correct or was I scammed ?
I know that the rental car companies do not provide any liability insurance in California but even after I bought their insurance I still had no explicit proof of insurance only an unclear entry on the rental agreement.
I noticed that their was 'a certificate of self insurance' in the glove box.
In the past I have rented without carrying my own insurance policy - was that not allowed?
#5
Original Poster
Join Date: May 2003
Posts: 86
He never actually asked to see my proof of insurance.
He just said that it would be illegal to drive the car if I didn't have it. I could have just lied and said that I had but that didn't seem a good idea if he was actually correct.
He just said that it would be illegal to drive the car if I didn't have it. I could have just lied and said that I had but that didn't seem a good idea if he was actually correct.
#6
Join Date: Mar 2009
Location: SBA-EZE
Programs: UA1k, AA EXP, PC Plat, Club Carlson Concierge, Hyatt Plat, SPG Gold, Hilton Gold
Posts: 349
Well it is my understanding from what i have read of California law that it is illegal to require proof of insurance, whether insinuating that if you don't have the proof on you that you may be breaking the law, and using that to get you to buy insurance is illegal is questionable, my guess from what i read is that what he did is probably illegal. What was the company?
#8
Join Date: Mar 2009
Location: SBA-EZE
Programs: UA1k, AA EXP, PC Plat, Club Carlson Concierge, Hyatt Plat, SPG Gold, Hilton Gold
Posts: 349
I have rented with them at LAX, and haven't experienced that before, My guess is that an overly aggressive agent trying to meet his quotas through questionable practices. Like I said above I would follow up with a complaint and CC the CA AG, that should get there attention.
#10
Join Date: Jun 2007
Location: SAN
Programs: PR Premier Elite
Posts: 1,950
It is against California State law for them to rent a car to you unless they provide minimum liability insurance. Most car rental places self insure state mandated minimum liability.
IMO Scam for sure on the part of the counter person. I'm sure there must be some kind of commission or quota for up selling additional coverage involved.
IMO Scam for sure on the part of the counter person. I'm sure there must be some kind of commission or quota for up selling additional coverage involved.
#12
Join Date: Dec 2000
Location: San Diego, CA , 4.2MM+ AA Platinum, Hilton Diamond, Starwood Gold
Posts: 574
Interesting thread.
What happens in California if you are pulled over by a policeman/highway patrol in a rental car for an infraction or an accident and you are asked for registration and proof of insurance?
Your contract should prove ownership (the rental agency) and if you took out insurance, it will show on the contract. But if you declined, how do you meet the state's requirement of being able to show proof of insurance?
What happens in California if you are pulled over by a policeman/highway patrol in a rental car for an infraction or an accident and you are asked for registration and proof of insurance?
Your contract should prove ownership (the rental agency) and if you took out insurance, it will show on the contract. But if you declined, how do you meet the state's requirement of being able to show proof of insurance?
#13
Moderator: Luxury Hotels and FlyerTalk Evangelist
Join Date: Sep 2002
Location: Palo Alto, California,USA
Posts: 17,854
Interesting thread.
What happens in California if you are pulled over by a policeman/highway patrol in a rental car for an infraction or an accident and you are asked for registration and proof of insurance?
Your contract should prove ownership (the rental agency) and if you took out insurance, it will show on the contract. But if you declined, how do you meet the state's requirement of being able to show proof of insurance?
What happens in California if you are pulled over by a policeman/highway patrol in a rental car for an infraction or an accident and you are asked for registration and proof of insurance?
Your contract should prove ownership (the rental agency) and if you took out insurance, it will show on the contract. But if you declined, how do you meet the state's requirement of being able to show proof of insurance?
#14
Suspended
Join Date: Jan 2010
Location: Calgary, Alberta
Programs: Hyatt Diamond, Fairmont Platinum, Aeroplan Diamond, HHonors Gold, SPG Gold
Posts: 18,686
Just finished my LAX 11 night stint..
Picked up rental vehicle and the guy at the counter says.. I should buy additional insurance for peace of mind..
I have 2 vehicles with rental vehicle insurance on it.. and I've got 3 ccs with extra protection.. These guys must be on commission or something.. because the counter agent was relentless.. almost made me question whether I had appropriate insurance or not..
Picked up rental vehicle and the guy at the counter says.. I should buy additional insurance for peace of mind..
I have 2 vehicles with rental vehicle insurance on it.. and I've got 3 ccs with extra protection.. These guys must be on commission or something.. because the counter agent was relentless.. almost made me question whether I had appropriate insurance or not..
#15
Moderator: Travel Safety/Security, Travel Tools, California, Los Angeles; FlyerTalk Evangelist
Join Date: Dec 2009
Location: LAX
Programs: oneword Emerald
Posts: 20,623
In California, rental car companies provide only the minimum legally required liability insurance, which is 15/30/5. That translates to $15,000 for bodily injury, with a maximum of $30,000 per accident with multiple victims, and $5,000 in property damage. That is grossly inadequate.
A renter who has no primary or secondary auto insurance who gets into an accident where the damages exceed the rental company provided liability coverage may end up suing the rental company for not properly warning him or her about the need to be properly insured.