Closingracer

They can't if you're renting in new York.

HWGeeks

I know I am late to this thread, and I read the other thread where the OP said he purchased insurance and backed into a parked car.

If I recall correctly when I use to rent from Enterprise the part where you initial on their contract about the insurance, it says something about if you're at fault for the accident the insurance doesn't cover you. You have to get the full insurance, not just the damage waiver.

cestmoi123

I pay around $120/year for my non-owner's liability insurance ($500k or $1M, don't remember off the top of my head) in NYC.

guv1976

That really makes no sense at all: You need the LDW for when the accident is your fault. If another (insured) driver causes the accident, then you or Enterprise could collect from their insurance.

Most car-rental contracts do contain terms that say that if you violate certain terms of the contract (by driving under the influence, driving on unpaid roads, etc.), then the LDW coverage will be voided. Perhaps that's what the Enterprise language said.

And, of course, LDW does not cover damage or injury you cause to others.

Adelphos

I'm currently renting a car with Sixt - LDW covered by a credit card, and I purchased supplemental liability from Sixt, so I should be all set. It looks like DNR lists aren't shared between rental groups, so I should be OK renting from Avis, Sixt and Hertz

kb9522

Don't hit anyone

Quokka

No reason to do web searches -- the answer is in the rental contract you signed.

It's likely, especially with Enterprise, that you agreed to final financial responsibility for any 3rd party liability claims involving damage from your use of the vehicle.

Yes, the state required minimum liability coverage exists to provide (some minimal) compensation for damages you cause to 3rd parties. But that doesn't guarantee that you as the car renter are "covered", it means there is at least the state mandated minimum coverage available to cover injury and damages to 3rd parties.

Now say you have no personal auto liability insurance of any kind. The rental contract will state that if you don't have liability insurance personally, Enterprise, if it's required to by state law (which is basically every state except California), will have coverage that meets the state minimum financial responsibility amounts.

But also the rental contract you sign typically includes:
So yes, there's "coverage" available for damage to a 3rd party's property but you also agree that either you or *your* insurance company (which is non-existent in this case) will have final responsibility for the losses.

If Enterprise or their insurer pays a 3rd party for damage you caused, don't be surprised if they bill you for it -- you agreed to pay.

A few states (e.g. rentals starting in NY) don't allow the rental car company or their insurer to hit you up for their losses, but most states do.

Johnson Will

What if it’s an error that enterprise made

garykung

It does not matter. It is the company's prerogative to refuse business.

hannykins14

i know this is an older post, but how do you know hertz is just DL number? I dont even know if i'm on the DNR, but i have since moved states and gotten married, so both my DL and name are different. I dont have any unpaid bills, but i did have a car longer than intended (i did extend multiple times).

my employer is flying me out to oregon and has set up a rental car with Hertz. i dont want to get to another state and be told i cant get anywhere

Adelphos

Wow, close to five years ago

I believe I am still on the Enterprise DNR. Have rented primarily with Hertz, Avis and Sixt over the years since.

AutoSlash

If your extension requests to Hertz were approved and your bill was paid in full, there's no reason to suspect you might be on the DNR. (Although this is Hertz we're talking about--the company that's under investigation for falsely reporting hundreds of customers for stealing cars that were sitting on their lot the whole time or that were never even picked up.)

That said, we have some personal experience with people who have been put on the Hertz DNR and were able to successfully rent again after moving and changing driver's licenses, so if you were put on the DNR under a previous "identity," you should be fine now.

lelandgrooms

Hi

I was put on the DNR list for Alamo close to ten years ago. They claimed that I owed them $500 on an insurance issue. I paid and had an email receipt, they contacted me again and said I did not pay. I forwarded the email receipt which they refused to acknowledge. What you need to know is that Alamo, Enterprise and National Car rental agencies are ll under one company, so the DNR will apply to all of these. I still have the receipt and refuse to pay, so whenever I travel I use Avis, I am a preferred member nd have had great service. I hope this helps!