Rental cars

[Pat1]

They LOVE customers like you.Did you actually take the insurance and the
roadside protection?

In a message dated 8/30/2012 2:07:18 P.M. Eastern Daylight Time,
haaljo@yahoo.com writes:

Just did 8 day rental with payless.
The cost was ~$450 for a hyundai elantra.
Nice car did 300 miles and got almost 30 mpg.

They charged $30 for roadside protection and $160
for liability insurance. We use american express
and for $15 they "cover" the other insurances no matter
how long. More importantly deal with all the paperwork (supposedly)as long
as you take the rental car liability.

[Non-text portions of this message have been removed]

[haaljo_haaljo]

You don't understand. Payless NO longer has me as a customer. I tried them once and that's it.
Here's a breakdown of the charges totaling $463:
Rate Charge: $139
Cons Facility Charge: $30
Renters Liability Prot: $159
Roadside Service Prot: $24
Vehicle License Fee: $11
Sales Tax: $27
Clark County Fee: $7
Govt Servcies Fee: $33
Concession Red Fee: $33

Whether it's a good idea to decline all insurances depends on your personal financial situation; how valuable is your time dealing with your own insurance company and rental agency and whether or not you are adequately insured back at your home/business.

Like I in previous post Alamo is $13/day for liability and never heard of the Roadside Service Protection before, I guess that is a little extra that I could have declined but the agent told me it was mandatory.

···

--- In vpFREE@yahoogroups.com, kypat@... wrote:

They LOVE customers like you.Did you actually take the insurance and the
roadside protection?

In a message dated 8/30/2012 2:07:18 P.M. Eastern Daylight Time,
haaljo@... writes:

Just did 8 day rental with payless.
The cost was ~$450 for a hyundai elantra.
Nice car did 300 miles and got almost 30 mpg.

They charged $30 for roadside protection and $160
for liability insurance. We use american express
and for $15 they "cover" the other insurances no matter
how long. More importantly deal with all the paperwork (supposedly)as long
as you take the rental car liability.

[Non-text portions of this message have been removed]

[Harry_Porter]

Dave, I agree with the general line of reasoning you outline. But, not having incurred a single vehicle liability claim in my 37 years of driving (I've had my share of collision claims), I personally wouldn't pay up $159 per rental for the option to forgo a claim to my auto insurance in the event of such a claim.

For that matter, faced with a liability claim, I'd feel much more secure with a firm I've personally vetted standing behind me, than whoever backs the renter's insurance option.

- H.

···

--- In vpFREE@yahoogroups.com, "Dave" <haaljo@...> wrote:

You don't understand. Payless NO longer has me as a customer. I tried them once and that's it.
Here's a breakdown of the charges totaling $463:
Rate Charge: $139
Cons Facility Charge: $30
Renters Liability Prot: $159
Roadside Service Prot: $24
Vehicle License Fee: $11
Sales Tax: $27
Clark County Fee: $7
Govt Servcies Fee: $33
Concession Red Fee: $33

Whether it's a good idea to decline all insurances depends on your personal financial situation; how valuable is your time dealing with your own insurance company and rental agency and whether or not you are adequately insured back at your home/business.

Like I in previous post Alamo is $13/day for liability and never heard of the Roadside Service Protection before, I guess that is a little extra that I could have declined but the agent told me it was mandatory.

--- In vpFREE@yahoogroups.com, kypat@ wrote:
>
> They LOVE customers like you.Did you actually take the insurance and the
> roadside protection?
>
>
> In a message dated 8/30/2012 2:07:18 P.M. Eastern Daylight Time,
> haaljo@ writes:
>

> Just did 8 day rental with payless.
> The cost was ~$450 for a hyundai elantra.
> Nice car did 300 miles and got almost 30 mpg.
>
> They charged $30 for roadside protection and $160
> for liability insurance. We use american express
> and for $15 they "cover" the other insurances no matter
> how long. More importantly deal with all the paperwork (supposedly)as long
> as you take the rental car liability.
>
>
>
>
> [Non-text portions of this message have been removed]
>

[haaljo_haaljo]

I forgot to add the $15/rental that American Express charges for their protection program. I supposedly don't have to deal with anybody but American Express. They handle it all.
Alamo's $13/day charge for Liability is now my setpoint. I was taken aback by Payless $20/day liability and she claimed she gave me the lowest priced liablity option.
My thinking is the $13/day plus the American Express charge of $15/rental (no matter the length of rental) puts American Express between me and the rental agency; their insurance company; my insurance company; the claimant insurance company (if any).

Whether you have had to deal with a claim is not relevant. I too have been fortunate in not getting into accidents that had injuries. Except when a teenager way back in the 70's and I had a little car called Simca (I think it was made in Yugoslovia). Hit a car on it's side going slow at a four way stop. The passenger opens his door; take off his seat belt and falls out (after about ten seconds)

···

--- In vpFREE@yahoogroups.com, "vp_wiz" <harry.porter@...> wrote:

Dave, I agree with the general line of reasoning you outline. But, not having incurred a single vehicle liability claim in my 37 years of driving (I've had my share of collision claims), I personally wouldn't pay up $159 per rental for the option to forgo a claim to my auto insurance in the event of such a claim.

For that matter, faced with a liability claim, I'd feel much more secure with a firm I've personally vetted standing behind me, than whoever backs the renter's insurance option.

- H.

--- In vpFREE@yahoogroups.com, "Dave" <haaljo@> wrote:
>
> You don't understand. Payless NO longer has me as a customer. I tried them once and that's it.
> Here's a breakdown of the charges totaling $463:
> Rate Charge: $139
> Cons Facility Charge: $30
> Renters Liability Prot: $159
> Roadside Service Prot: $24
> Vehicle License Fee: $11
> Sales Tax: $27
> Clark County Fee: $7
> Govt Servcies Fee: $33
> Concession Red Fee: $33
>
> Whether it's a good idea to decline all insurances depends on your personal financial situation; how valuable is your time dealing with your own insurance company and rental agency and whether or not you are adequately insured back at your home/business.
>
> Like I in previous post Alamo is $13/day for liability and never heard of the Roadside Service Protection before, I guess that is a little extra that I could have declined but the agent told me it was mandatory.
>
>
>
>
>
>
> --- In vpFREE@yahoogroups.com, kypat@ wrote:
> >
> > They LOVE customers like you.Did you actually take the insurance and the
> > roadside protection?
> >
> >
> > In a message dated 8/30/2012 2:07:18 P.M. Eastern Daylight Time,
> > haaljo@ writes:
> >
>
> > Just did 8 day rental with payless.
> > The cost was ~$450 for a hyundai elantra.
> > Nice car did 300 miles and got almost 30 mpg.
> >
> > They charged $30 for roadside protection and $160
> > for liability insurance. We use american express
> > and for $15 they "cover" the other insurances no matter
> > how long. More importantly deal with all the paperwork (supposedly)as long
> > as you take the rental car liability.
> >
> >
> >
> >
> > [Non-text portions of this message have been removed]
> >
>