Go Back  Bike Forums > Bike Forums > General Cycling Discussion
Reload this Page >

carless cycle commuter car rental question

Notices
General Cycling Discussion Have a cycling related question or comment that doesn't fit in one of the other specialty forums? Drop on in and post in here! When possible, please select the forum above that most fits your post!

carless cycle commuter car rental question

Old 03-21-12, 07:13 PM
  #1  
Grovern
Junior Member
Thread Starter
 
Join Date: Jan 2005
Posts: 20
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
carless cycle commuter car rental question

I know this isn't about a cycling, but I thought other carless commuters might be able to help me. I'm renting a car to go on a trip, and I don't know if I can get away with not buying insurance from the rental company, since I don't have my own car insurance. I know my credit card insures me for damage to the rental car itself, at least somewhat, but I don't know if I have protection if I damage someone else's car. You're advised not buy the rental company's insurance at a lot of travel websites, but they seem to assume you have car insurance. I'd really rather not spend the extra money, of course, if I could get away with it.

Anyone have any experience with this, or advice?
Grovern is offline  
Old 03-21-12, 07:21 PM
  #2  
Boudicca
Conquer Cancer rider
 
Boudicca's Avatar
 
Join Date: Sep 2004
Location: Toronto
Posts: 6,039

Bikes: Fun bike, city bike, Bike Friday, Brompton (also fun bikes)

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 18 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
You should look into gold credit cards -- I believe they provide insurance with a rental car. Mind you, I have not looked at the small print recently.
__________________
Zero gallons to the mile
Boudicca is offline  
Old 03-21-12, 08:53 PM
  #3  
Dahon.Steve
Senior Member
 
Join Date: Dec 2001
Location: New Jersey
Posts: 7,136
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 254 Post(s)
Likes: 0
Liked 5 Times in 4 Posts
Originally Posted by Grovern View Post
I know this isn't about a cycling, but I thought other carless commuters might be able to help me. I'm renting a car to go on a trip, and I don't know if I can get away with not buying insurance from the rental company, since I don't have my own car insurance. I know my credit card insures me for damage to the rental car itself, at least somewhat, but I don't know if I have protection if I damage someone else's car. You're advised not buy the rental company's insurance at a lot of travel websites, but they seem to assume you have car insurance. I'd really rather not spend the extra money, of course, if I could get away with it.

Anyone have any experience with this, or advice?
I'm car free and the option to buy extra insurance is not required. HOWEVER, they do put the pressure on you to buy it. The car by the way is INSURED so it's not like you're driving an uninsured vehicle. However, this extra insurance will cover more damage if it happens. The way motorist drive on the streets, I would buy it anyway. You never know.
Dahon.Steve is offline  
Old 03-21-12, 08:54 PM
  #4  
no1mad 
Thunder Whisperer
 
no1mad's Avatar
 
Join Date: Apr 2008
Location: NE OK
Posts: 8,852

Bikes: '06 Kona Smoke

Mentioned: 6 Post(s)
Tagged: 0 Thread(s)
Quoted: 272 Post(s)
Likes: 0
Liked 5 Times in 1 Post
Check the fine print on your card. The car may be covered, but don't know about any bodily injuries that you may suffer or inflict...
__________________
Community guidelines
no1mad is offline  
Old 03-22-12, 04:23 AM
  #5  
MichaelW
Senior Member
 
Join Date: Feb 2001
Location: England
Posts: 12,948
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 17 Post(s)
Likes: 0
Liked 1 Time in 1 Post
Usually there is an "excess" which have to pay before the insurance kicks in. It could be $500+. Sometimes you are offered insurance to cover this payment.
MichaelW is offline  
Old 03-22-12, 05:00 AM
  #6  
Artkansas 
Pedaled too far.
 
Artkansas's Avatar
 
Join Date: Oct 2005
Location: La Petite Roche
Posts: 12,851
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 6 Post(s)
Likes: 0
Liked 4 Times in 4 Posts
Call your card and find out exactly what is covered. Sometimes their coverage is also premised on you having coverage for your regular car.

And you never know. When I moved here, I rented a car for a few days while I looked for a place to stay. Since I didn't know the area, I opted for the rental car's insurance on damage to the car. When I returned the car with a cracked windshield from some stray rock, I was smiling.
__________________
"He who serves all, best serves himself" Jack London

Originally Posted by Bjforrestal View Post
I don't care if you are on a unicycle, as long as you're not using a motor to get places you get props from me. We're here to support each other. Share ideas, and motivate one another to actually keep doing it.

Last edited by Artkansas; 03-22-12 at 05:07 AM.
Artkansas is offline  
Old 03-22-12, 05:04 AM
  #7  
wahoonc
Membership Not Required
 
wahoonc's Avatar
 
Join Date: Jan 2005
Location: On the road-USA
Posts: 16,855

Bikes: Giant Excursion, Raleigh Sports, Raleigh R.S.W. Compact, Motobecane? and about 20 more! OMG

Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
Quoted: 67 Post(s)
Likes: 0
Liked 4 Times in 3 Posts
READ THE FINE PRINT! Many times the supplemental insurance is to pay for loss of use, which most credit cards and regular car insurance DO NOT pay for. It is confusing as all get out.

Aaron
__________________
Webshots is bailing out, if you find any of my posts with corrupt picture files and want to see them corrected please let me know. :(

ISO: A late 1980's Giant Iguana MTB frameset (or complete bike) 23" Red with yellow graphics.

"Cycling should be a way of life, not a hobby.
RIDE, YOU FOOL, RIDE!"
_Nicodemus

"Steel: nearly a thousand years of metallurgical development
Aluminum: barely a hundred
Which one would you rather have under your butt at 30mph?"
_krazygluon
wahoonc is offline  
Old 03-22-12, 05:51 AM
  #8  
chandltp
Senior Member
 
chandltp's Avatar
 
Join Date: Dec 2009
Location: Erie, PA
Posts: 1,771

Bikes: Bacchetta Giro 20, Trek 7000, old Huffy MTB, and a few others

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 21 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Yea, the loss of use is where they get you if you don't buy the optional insurance. My credit card provides insurance, but doesn't cover loss of use. My auto insurance (my wife has a car) covers damage, but not lose of use.
chandltp is offline  
Old 03-22-12, 06:32 AM
  #9  
Retro Grouch 
Senior Member
 
Retro Grouch's Avatar
 
Join Date: Feb 2004
Location: St Peters, Missouri
Posts: 29,931

Bikes: Catrike 559 I own some others but they don't get ridden very much.

Mentioned: 15 Post(s)
Tagged: 0 Thread(s)
Quoted: 1446 Post(s)
Liked 356 Times in 218 Posts
And fill up the tank with gas before returning the rental too.
Retro Grouch is offline  
Old 03-22-12, 07:12 AM
  #10  
Machka 
In Real Life
 
Machka's Avatar
 
Join Date: Jan 2003
Location: Down under down under
Posts: 51,917

Bikes: Lots

Mentioned: 138 Post(s)
Tagged: 0 Thread(s)
Quoted: 3122 Post(s)
Liked 355 Times in 225 Posts
When I did not have a car, I rented cars several times a year. If the rental was quite short, I just paid for the insurance from the rental company. It was simpler and it seemed to cover a lot in case something did go wrong.


However, there was once when I rented a car for about 3 weeks. I did some checking and discovered that Manitoba Public Insurance has a short term insurance policy for as short as 30 days: https://www.mpi.mb.ca/english/insuran...m_autopac.html If I recall correctly, this was the policy I went with. (I was living in Manitoba at the time)

But MPI also has a rental car insurance policy for occasions just like this as well: https://www.mpi.mb.ca/english/insuran...Insurance.html

You might do some investigation to find out what options you have available.
Machka is offline  
Old 03-22-12, 10:11 AM
  #11  
DCB0
Banned.
 
Join Date: Apr 2011
Posts: 937

Bikes: CCM Torino 76

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
I was driving a rental car for the only accident I have ever been involved in. I had paid the $25/day or whatever insurance and that was the best $25/day I ever spent!

As for covering other parties involved in an accident, I think you should check with the rental company and your credit card company... I would think the rental company has liability insurance on all their cars or else they would not be able to legally rent them without proof of some other insurance.
DCB0 is offline  
Old 03-22-12, 01:08 PM
  #12  
wahoonc
Membership Not Required
 
wahoonc's Avatar
 
Join Date: Jan 2005
Location: On the road-USA
Posts: 16,855

Bikes: Giant Excursion, Raleigh Sports, Raleigh R.S.W. Compact, Motobecane? and about 20 more! OMG

Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
Quoted: 67 Post(s)
Likes: 0
Liked 4 Times in 3 Posts
Originally Posted by DCB0 View Post
I was driving a rental car for the only accident I have ever been involved in. I had paid the $25/day or whatever insurance and that was the best $25/day I ever spent!

As for covering other parties involved in an accident, I think you should check with the rental company and your credit card company... I would think the rental company has liability insurance on all their cars or else they would not be able to legally rent them without proof of some other insurance.
In many states you are required to have liability insurance to get a license, in NC if you don't own a car you have basically 3 choices; no license, get a "commercial use only" license, or try to find a insurance company that will sell you a "non-driver" liability policy, they do exist but most companies don't want to admit it or deal with them.

Aaron
__________________
Webshots is bailing out, if you find any of my posts with corrupt picture files and want to see them corrected please let me know. :(

ISO: A late 1980's Giant Iguana MTB frameset (or complete bike) 23" Red with yellow graphics.

"Cycling should be a way of life, not a hobby.
RIDE, YOU FOOL, RIDE!"
_Nicodemus

"Steel: nearly a thousand years of metallurgical development
Aluminum: barely a hundred
Which one would you rather have under your butt at 30mph?"
_krazygluon
wahoonc is offline  
Old 03-22-12, 01:52 PM
  #13  
Doohickie 
You gonna eat that?
 
Doohickie's Avatar
 
Join Date: Sep 2008
Location: Fort Worth, Texas Church of Hopeful Uncertainty
Posts: 14,682

Bikes: 1966 Raleigh DL-1 Tourist, 1973 Schwinn Varsity, 1983 Raleigh Marathon, 1994 Nishiki Sport XRS

Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
Quoted: 141 Post(s)
Likes: 0
Liked 3 Times in 3 Posts
I think you are required to carry liability insurance of your own. The insurance the car rental companies is against damage to their cars, not liability to others you may incur from an accident. And as Aaron says, you are required to have insurance if you have a license in most states.
__________________
I stop for people / whose right of way I honor / but not for no one.


Originally Posted by bragi "However, it's never a good idea to overgeneralize."
Doohickie is offline  
Old 03-23-12, 05:51 AM
  #14  
chandltp
Senior Member
 
chandltp's Avatar
 
Join Date: Dec 2009
Location: Erie, PA
Posts: 1,771

Bikes: Bacchetta Giro 20, Trek 7000, old Huffy MTB, and a few others

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 21 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by Doohickie View Post
I think you are required to carry liability insurance of your own. The insurance the car rental companies is against damage to their cars, not liability to others you may incur from an accident. And as Aaron says, you are required to have insurance if you have a license in most states.
I'd never heard of car insurance for someone who didn't have a car until I moved to Texas. In PA, you insure a car. I did some research, and this site supports why understand of insurance in PA. There can be limits on the policy for who is covered, such as no drivers under 25. This gives you a lower rate since you've cut out a high risk group, and if you let a driver not covered by your policy drive then the insurance will try to avoid paying. I think if you can prove it was an occasional driver, then they will still have to pay though, but I'm not 100% on that. I can't say definitively how the majority of states work, as I've only ever had insurance in PA and TX.

According to this article, you can purchase liability insurance from a rental car company.
chandltp is offline  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
Robert C
Living Car Free
53
03-02-16 08:40 PM
Rob_E
Living Car Free
16
03-19-13 07:23 PM
s5fskzfv
Living Car Free
6
11-14-11 10:45 AM
davidmcowan
Living Car Free
14
09-09-11 12:50 AM
myrridin
Living Car Free
78
08-31-11 09:36 AM

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.