agreed-i was only referring to liability as many have credit cards that cover collision.
···
From: Bill Velek <billvelek@alltel.net>
Reply-To: vpFREE@yahoogroups.com
To: vpFREE@yahoogroups.com
Subject: Re: [vpFREE] Car Insurance in Vegas
Date: Fri, 08 Oct 2004 09:21:54 -0500pesach kremen wrote:
> A rental car company cannot legally allow the car to be driven by a
> renter
> unless it meets the minimum required liability for the state.That is only 'liability' coverage -- to protect you within the limits of
coverage from civil liability in the event that you cause death,
personal injury, or damage to the property of _others_. It does not
include the vehicle you are driving -- in any way, shape, or form.The coverage that the rental companies are trying to sell us, as far as
my experience goes, is not additional 'liability', but rather
'collision' coverage (and possibly 'comprehensive' coverage, too -- I
can't recall -- but probably both). 'Collision' will cover damage to
the vehicle that you are renting if you happen to get into an accident,
i.e., collide with something. 'Comprehensive' will cover the vehicle
you are renting from all other causes of damage, such as fire, storm,
theft, vandalism, and no doubt that hit-and-run driver who puts a nice
dent in the car while you're inside the casino gambling. They probably
toss some additional 'uninsured motorist' coverage in there somewhere, too.> The car
> rental companies don;t want you to know this, but as they own the car,
> they
> must have minimal liability insurance to rent it.Again, I _think_ that that is probably just 'liability', since the state
has no business or right telling a private company that they must insure
their own property against theft or vandalism, for instance.> I have a letter from
> hertz acknowledging this but they will do everything to get you to buy
> the
> added coverage which is way overpriced.Well, I won't argue with that.
Incidentally, a few years ago my daughter rented a car and declined
additional insurance. The day she rented it she parked and went into a
store, and a hit and run driver put a very noticeable crease in the
door. She was liable for it; the insurance she has on her own private
vehicle covered most of it, but she had to pay the deductible, and of
course the claim might have impacted her rates. I never thought to ask
her if it did.Cheers.
Bill Velek
vpFREE Links: http://members.cox.net/vpfree/Links.htm
Yahoo! Groups Links
_________________________________________________________________
Check out Election 2004 for up-to-date election news, plus voter tools and more! http://special.msn.com/msn/election2004.armx