http://www.bikeforums.net/search.php?searchid=4707118

Couldn't find anything there about credit cards providing rental car insurance. Do you need a tutorial on how to create a link?

As for millionaire bicyclists, there are plenty of car free millionaires in Manhattan. Most apartments sell for more than a million dollars. A million dollars no longer qualifies you as wealthy. You need at least 5 million before the wealth management bankers start to get interested.

Five million liquid, most likely. An apartment with a market value of 5 million probably wouldn't cut it.

I was thinking of a millionaire bicyclist who will gain his wealth through the financial wizardry of not owning a car. I suppose if I didn't own 5 cars I might get some wealth management bankers interested in me.

Five cars to get the private bankers interested in NYC. Around here one or two cars should be sufficient. How is it in Burlington, Iowa?

Couldn't find anything there about credit cards providing rental car insurance. Do you need a tutorial on how to create a link?

Oh, I thought you were looking for a link to back up this statement:
Ignorance, specious personal attacks, and imaginary fantasies told to you by little birdies all seem to be your forte, but if you'd ever like a taste of reality based facts and figures then I'll be here.

I suppose the statement you're interested in is the following?
Some versions of the Amex Platinum card offer liability on car rentals. Check the fine print of your card.

Oh, I thought you were looking for a link to back up this statement:


Still looking for a link to back up your statement about credit cards providing coverage for rental cars.

Still looking for a link to back up your statement about credit cards providing coverage for rental cars.

And I suppose even if I provide you with such a link I can expect you to continue trolling my future posts with snide personal attacks?

And I suppose even if I provide you with such a link I can expect you to continue trolling my future posts with snide personal attacks?

If you post something that makes sense, and back it up with sound logic, or a link that supports your position, that would go far to silence your critics.

If you post something that makes sense, and back it up with sound logic, or a link that supports your position, that would go far to silence your critics.

I have no problems with criticism of my positions, of which I have seen very little. It is those that troll my posts that I have a problem with. Baseless personal attacks and straw man arguments have absolutely nothing to do with the sense, logic, or evidence which supports my arguments.

The problem with trolls like yourself, is that you don't have any criticism of my position. All you criticize is things of which you are completely ignorant such as my sanity, my popularity in the forum, the extent of hypocrisy in my life, etc. Such aspects are either not up for questioning or are completely unrelated to my position. Therefore, neither sense, sound logic, nor supporting evidence can provide any guarantee that such criticisms will be justly silence. No. The only thing that can put such criticisms to rest is to demotivate the trolls from trying to use them through either nonparticipation, public humiliation, forum moderation, or negotiation.

Towards that end, I ask you will your trolling, irrelevant and baseless accusations, and snide personal attacks cease if I provide you with the information you request?

I have no problems with criticism of my positions, of which I have seen very little. It is those that troll my posts that I have a problem with. Baseless personal attacks and straw man arguments have absolutely nothing to do with the sense, logic, or evidence which supports my arguments.

The problem with trolls like yourself, is that you don't have any criticism of my position. All you criticize is things of which you are completely ignorant such as my sanity, my popularity in the forum, the extent of hypocrisy in my life, etc. Such aspects are either not up for questioning or are completely unrelated to my position. Therefore, neither sense, sound logic, nor supporting evidence can provide any guarantee that such criticisms will be justly silence. No. The only thing that can put such criticisms to rest is to demotivate the trolls from trying to use them through either nonparticipation, public humiliation, forum moderation, or negotiation.

Towards that end, I ask you will your trolling, irrelevant and baseless accusations, and snide personal attacks cease if I provide you with the information you request?

See post #55.

See post #55.

And around and around we go. I post plenty of sense, sound logic, and evidence to support my positions. That's why I, in fact, receive so little fair criticism. Since the level of fair criticism I receive is so low, I don't have much interest in silencing it further by taking the time to provide even more sense, logic, and evidence. However, I am interested in preventing trolling and personal attacks which pervade threads independently of sense, logic, evidence, and criticism. As best as I can tell that requires nonparticipation, public humiliation, forum moderation, or negotiation. In the case of your trolling, nonparticipation is difficult because I can't put you on ignore, public humiliation seems to have failed (both by showing you up with more sense, sound logic, and evidence and by shouting you out with more insults), and forum moderation isn't an option (as you are the forum moderator). That leaves negotiation: you promise to stop trolling and I'll give you the information you want. As always, fair criticism would remain welcome.

Many credit cards provide additional insurance. Most of the time this insurance is secondary, meaning that it only applies if you don't have other insurance to cover it. As most Americans have car insurance, they can't take advantage of the insurance provided by the credit card. But if you're car free and without insurance then you're covered.

Shop around for credit card offers and see what they're offering in the fine print.

You made this statement, but did not provide any links to back it up. Then you post this in response to another member's request for a link:

I tell you to be nice and I'll give you the information requested and what do you do? Insult me of course.

And you have the nerve to call me a troll? You're free to feel picked on, but you have not backed up your post with anything helpful.

Attention:

Flexcar and Zipcar have merged. (I don't have a link, Brian & ILTB, so it probably isn't true. :p)

Anyhoo, the teeny-tiny amount of actual information provided in this thread is probably out of date now. I would suggest that consumers check the fine print of their own credit card agreements as well as the policies of Zip/Flex, or whatever they're calling the new company. This would be more reliable than any links or posts you might find on the internet.

Attention:

Flexcar and Zipcar have merged. (I don't have a link, Brian & ILTB, so it probably isn't true. :p)]
http://www.bikeforums.net/showthread.php?t=358624

Attention:

Flexcar and Zipcar have merged. (I don't have a link, Brian & ILTB, so it probably isn't true. :p)

Anyhoo, the teeny-tiny amount of actual information provided in this thread is probably out of date now.

What is NOT overcome by events is the OP's valid concern about carrying adequate liability insurance when renting a car, whether it be a standard rental company or the new merged company. What also isn't changed is the wackiness of the "unique" claim by one poster to know all about car free types getting that liability coverage for free from credit card companies.

Attention:

Flexcar and Zipcar have merged. (I don't have a link, Brian & ILTB, so it probably isn't true. :p)

Anyhoo, the teeny-tiny amount of actual information provided in this thread is probably out of date now. I would suggest that consumers check the fine print of their own credit card agreements as well as the policies of Zip/Flex, or whatever they're calling the new company. This would be more reliable than any links or posts you might find on the internet.

There is quite a bit of "actual" information in this thread.

1) Credit card companies typically provide no liability insurance at all.
2) Default liability coverage provided by rental car companies is laughably inadequate.
3) If you have any significant assets such as a house/apartment (either of which may be less significant now than this time last year), even the standard coverage provided by rental car companies may be inadequate).
4) Zipcar has finally extracted their head from their asss and provided decent liability coverage though it may not be adequate for everyone (see 3).

Given how few car free people have a clue about the importance of adequate insurance I would assert that much of the information in this thread is very important. How do I now that few people have a clue about these issues? Zip car has managed to stay in business for a long time while putting their customers at risk. I doubt that very many of their customers even realize how much better off they are with the Flexcar merger.

Given how few car free people have a clue about the importance of adequate insurance I would assert that much of the information in this thread is very important. How do I now that few people have a clue about these issues?
Possible reason for the cluelessness on this (and other) issues seen on this list: No significant financial assets to protect and/or no significant family responsibilities prompting any thought about obtaining and protecting such assets.

Possible reason for the cluelessness on this (and other) issues seen on this list: No significant financial assets to protect and/or no significant family responsibilities prompting any thought about obtaining and protecting such assets.

More likely reason: Why the hell should we research auto insurance fine print when we don't even own an auto? We'll gladly leave that worry to clueless car owners like you.

More likely reason: Why the hell should we research auto insurance fine print when we don't even own an auto? We'll gladly leave that worry to clueless car owners like you.

I hope you're not implying that all car owners are clueless. It would seem logical that if you don't own a car, but choose to rent one, you would make sure that your assets (assuming you have any) are protected in the event of a loss.*


*You does not mean you, Roody, just the renter in general.

I hope you're not implying that all car owners are clueless.

Not at all. I'm only implying that ILTB is clueless.

Not at all. I'm only implying that ILTB is clueless.

But you are only confirming your own inability to comprehend the written word. Read the OP Jack! Even car-free types like yourself borrow and/or rent a vehicle every now and then. But as I pointed out, only the clueless, or those who are apparantly also like yourself (with no financial assets to protect or family financial responsibilities,) or both, are without concern for the possible consequences of driving a motor vehicle without adequate insurance.

... Even car-free types like yourself...

No comment.

No comment.

Your most intelligent comment yet on the subject.

I'd recommend that you repeat it when you feel a need to make a Roody's Principles statement, but your lack of knowledge or experience with the thread subject leaves you only the capability to make inane comments that demonstrate your naïveté and/or ignorance.

Enough!

Thank you.

More likely reason: Why the hell should we research auto insurance fine print when we don't even own an auto? We'll gladly leave that worry to clueless car owners like you.

"Clueless car owners" probably already have adequate insurance. It's the clueless people who don't own cars who need to worry. Car owners don't have a monoply on clueless.

"Clueless car owners" probably already have adequate insurance. It's the clueless people who don't own cars who need to worry. Car owners don't have a monoply on clueless.
At the risk of getting back to reality, in my state a clued-in carfree person doesn't need any auto insurance.


If I'm hit by a car, their insurance will cover me and my bike, because liability coverage is required here.
If they're illegally driving without insurance, the state's uninsured motorist coverage will kick in.
If I'm in an accident with no auto involvement, I have health insurance that will cover 100 % of my medical bills, and disability insurance that will cover most of my lost wages.
If I borrow a car, I'm covered by the car owner's policy.
Even if I steal a car, the owner's insurance will cover me.
I will not rent a car, so I have no idea of the issues involved with that.
I will never own a car, so likewise.


Do I still sound clueless?

Do I still sound clueless?

Since you asked: Yes. Read the OP; this thread is not about you, nor your requirements, but about those car-free people who rent cars or use Flex/Zip car and their lack of liability coverage

If I borrow a car, I'm covered by the car owner's policy.
Even if I steal a car, the owner's insurance will cover me.


Generally not at their full policy limits, and only if you are not specifically excluded, in the case of a borrowed car.

Since you asked: Yes. Read the OP; this thread is not about you, nor your requirements, but about those car-free people who rent cars or use Flex/Zip car and their lack of liability coverage

Oh like you weren't the one who derailed this thread by talking about how clueless, irresponsible and impoverished those "carfree types" are. :rolleyes:

Oh like you weren't the one who derailed this thread by talking about how clueless, irresponsible and impoverished those "carfree types" are. :rolleyes:

Just the ones who made clueless statements on this thread about the problem of liability insurance when car less people rent a car; like yourself and the Credit Card guru. Obviously you consider discussing reality a "derailment" when it collides with your sacred cows/dogma.

You two can take your bickering to PMs. If anyone sees a need to reopen this thread, send a PM to Donnamb.