Rented auto insurance? (rant)

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  • Ed62
    The Full Monte
    • Oct 2006
    • 6021
    • NW Indiana
    • BT3K

    #1

    Rented auto insurance? (rant)

    I had a problem with my OnStar not connecting. The car is still under warranty, so I took it in for service. After a while, I was told they were having difficulty pinpointing the problem. They told me they would get a rental car for me if I wanted one. They would pay for it. When I was giving the representative of the rental car business my information, she told me they had two plans for insurance. Full insurance would cost me around $35.00, or I could get limited insurance for $18.00. Not using common sense, I opted for the lesser insurance. She gave me the contract to sign. Rather than read the contract, I figured it was run-of-the-mill, so I just signed it (yeah, I know..stupid). After I got home, I noticed a place where I could opt out of the insurance (I have my own, which would cover it).

    Since she suggested that the insurance was mandatory, I picked the lower cost insurance. When I brought the car back this morning, I told a different woman I didn't read the contract when I signed it (stupid, I know), but it was suggested that one of the plans was mandatory. I also told her I didn't want to pay for it, out of principle. She wanted to split the cost with me. I told her that was not acceptable, even though I was legally bound by the contract.

    The rental car business had a spot inside my auto dealer's business, and that would reflect on the dealer's business. There is absolutely no doubt in my mind that if she wouldn't take the charge off, my dealer would make it right. I told her that I would speak to the dealer's owner, and she immediately took the charge off.

    This was not a case of money. It was all about the principle of the thing, when they suggested it was mandatory. Partly my fault for not reading the contract, but their suggestion that it was mandatory seemed like a ripoff.

    Ed
    Do you know about kickback? Ray has a good writeup here... https://www.sawdustzone.org/articles...mare-explained

    For a kickback demonstration video http://www.metacafe.com/watch/910584...demonstration/
  • tribalwind
    Senior Member
    • Feb 2004
    • 847
    • long island, ny.

    #2
    i think the way it goes is you need your insurance card at time of rental to use that,which of course wouldnt of been any prob since you were at the dealer!

    Also using a visa credit card will cover collision,with a big list of whats covered and not...
    i'm sure they pocket the insurance fees themselves,or at least a chunk of it,
    so theres motive to hint its mandatory..
    namaste, matthew http://www.tribalwind.com

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    • Uncle Cracker
      The Full Monte
      • May 2007
      • 7091
      • Sunshine State
      • BT3000

      #3
      Add-on insurance is a HUGE cash cow for rental agencies. It's no wonder that they might lead you to think it's mandatory, maybe without saying so in so many words (which I think might be illegal). As a consumer, however, it's always your responsibility to know your rights, and certainly to read your contract. That "Insurance Declined" checkbox would have been a dead giveaway.

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