What is fair in this ripoff world we live in?

  • by Patricia
  • Dec 29,2017
  • 13 answers

If the responsible insurance company says they will rent you a car until the damaged car is fixed then when you go rent the car, they want to charge for insurance or if you use your own, you will still have to pay the deductible for any damage done to the car including any dings or scratches incurred so is this just another rip off or what?


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Insurance Answers (13)

Art last week

Whatever the policy was on your own vehicle that's what the policy on the rental is going to be.

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curtisports2 2 weeks ago

What is a ripoff about being expected to pay for damage done to a rental car while you are renting it? If you have rental coverage for the time your insured vehicle is under repair, then you need to ask your insurance company if they cover you under your policy, for the same terms as your policy, while driving the rented vehicle. Most will. That means collision/comprehensive deductibles still apply. You damage the rental, you pay the deductible. This also means that you don't need the insurance the rental place tries to sell you, no matter WHAT they try to get you to believe. I rent cars for vacations and always refuse the rental coverage, because I am covered by my insurer.

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car253 2 weeks ago

No. Not a ripoff. You were smart to have rental car coverage on your auto insurance policy. Some companies cover the insurance on the rental car just like your driving your own car. Rental car companies make a fortune trying to sell your their insurance when most of the time you don't need it.

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H. Marie 2 weeks ago

tge insurance company that is providing you transportation while yours is being fixed is not responsible to cover the rental of the car with the insurance that that rental agency requires, your insurance obviously does not cover rental cars, only the cost of having one while yours is in the shop

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lucy 2 weeks ago

The insurance company owes to fix your vehicle and while your vehicle is in the shop, then they owe you a rental car to drive to go to work or to the grocery store. But, NO they don’t owe for the insurance on the rental, nor do they owe to pay for your gas.
Put simply, (when) you rent a vehicle, then the rental becomes your “insured” car, in other words you are driving (your vehicle that is in the shop) in “effect”. So while in this rental (your) insurance on the vehicle that was wrecked is the SAME as if you was driving your own vehicle.
So, (if) you are in another accident, or get scratches/dings etc to the rental vehicle, it is YOUR responsibility, since (if) anything happens, is not part of the (prior) accident, thus they would not owe.
So, if you have “full” coverage, then it transfers to the rental. But, if it is only liability, then I suggest you purchase the collision/comprehensive insurance on the rental “just in case” especially with your prior bad luck in prior accidents.

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mbrcatz 2 weeks ago

Not a ripoff. If you borrow someone else's car, you're still "on the hook" if you cause damages to it. That includes rentals.
Four not-at-fault accidents is more than most people have in a lifetime. You're doing something wrong, or not driving defensively enough.

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Richard_CA 2 weeks ago

It sound to me that you were in an accident with your vehicle and were covered under rental car insurance. But the rental car facility is concerned that you will owe your deductible on your current auto insurance in you are involved in an accident. If you get into an accident that is not your fault, then the other party will pay for the damage with their liability insurance. But if you have an accident that is your fault, then your insurance company will pay for the damaged minus the deductible in which you have to pay. A simple way out of this is to check with your credit card terms and conditions. Most will pay your deductible if you are involved in an accident. Just make sure you reserve the rental car with the credit card company that agrees on this. And above all, leave the balance on the same credit card to be safe.

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Casey Y 2 weeks ago

You are absolutely responsible for any damage to the rented car....what is confusing about that part....
I get your point, but why wouldn't you be responsible for damages to the rented vehicle??
Go under your own insurance, pay your deductible and let them handle the other company. Also, call your agent for guidance; if you bought your insurance online...good luck.

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StarShine 2 weeks ago

Use your own insurance and don't damage the car. In the case of a rental to cover a car that was damaged in an accident, you're insurance should transfer to the rental without fees (check local laws and/or call your broker to confirm this as laws vary). If the damage is a few hundred dollars, I'm sure you can pay for it and choose not to use insurance (as is usually the case with any car accident).
Alternatively, don't get a rental car and find alternative transportation.
Of course you're responsible for any damage you do to the rental car. It belongs to someone else, you're borrowing it and they expect it to be returned in the same shape that you received it in. That's completely reasonable on their part.

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Andy L. 2 weeks ago

My car insurance was raised 45% this renewal, and even in calling their top manager in charge of rates, she said my driving record is perfect, car is aging and worth less, but my ZIP CODE caused the rate increase, and there is nothing they can do. Now I have to quote a bunch of companies again, and despite living in a gated and walled community and driving less than 6000 miles a year, they still bumped my rate up a lot. You are talking about a few dollars a day while your car is repaired after an accident.

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acermill 2 weeks ago

If you are content paying a deductible if you damage your own car, you should be just as happy with that when driving THEIR car. If you want full coverage, but their insurance, or change YOUR insurance deductible to zero. You will learn which option is less costly. (And no, this is not any sort of ripoff)

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Insurance Pickle.com 2 weeks ago

They rent you a car. They don't cover you for damage you do to it. It's your choice whether you buy their insurance, but you're still responsible for the car. Otherwise, what's to keep you from playing bumper cars with it and bringing it back?

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Valleycat1 2 weeks ago

um, not a rip off. the car rental business is separate from your insurance, and your insurer is only paying for you to have access to a car, not giving you free license to damage that car at their full expense.

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