Adventures in Car Rentals

jamesdeluxe

Administrator
Staff member
We've often discussed the many challenges of renting cars domestically and internationally; however, I couldn't find a dedicated thread, so here it is. Maybe I should aggregate previous interesting discussions here. To start off, here's a NYT article about something I've often wondered about:

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The final paragraph of the article is hard to swallow because I view third-party car insurance as a racket in cases when your credit card explicitly tells you to decline additional coverage.

There is one tactic that could help prevent these types of headaches when renting a car abroad — counterintuitive as it may seem to most seasoned travelers: If it’s not too expensive, consider just buying the rental agency’s damage protection.

What's to stop the rental agency's car insurance from throwing up roadblocks to foreigners who've returned home (similar to travel insurance -- "if you'd read the fine print in the contract, you would know that we require this and this and this") -- and the hapless tourist would likely just give up at a certain point and not contact the NY Times ombudsman. In that case, the customer is out the $1,300 damage fee AND the additional cost of third-party insurance!
 
I hate car rentals and insurance; luckily, I have not had to use credit card insurance more than once for a tire rim (?wtf?!)

Generally, if I rent in the winter or an outdoorsy area, I physically smear my car with mud, road melt, etc., to cover scratches and window dings. I return my rental cars with a lovely thin layer of dust, dirt, etc, that one cannot tell what is going on underneath.
 
I hate car rentals and insurance;
+1 I nearly always refuse it. I made exceptions for the 2024 eclipse in Mexico when I knew we were driving into the hinterlands, and also for South Africa/Lesotho.

I got into a protracted dispute in Spokane in 2014 when I made the error of admitting I was skiing in Canada and Budget/Thrifty refused to let me have the car without the add-on insurance. I later found out that my regular auto policy covered rentals in Canada, tried to dispute via AMEX and got nowhere. Lesson learned: Do not tell a U.S. airport car rental counter that you are driving into Canada!
 
Do not tell a U.S. airport car rental counter that you are driving into Canada!
That makes sense but what happens if you drive into Canada and get into an accident without the add-on insurance? Even if it was covered by your auto policy or wasn't your fault, what are the repercussions when Budget/Thrifty learns that you crossed the border against the terms in the contract? Is there anything they can do other than blackball you from future rentals?
 
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