I use to work at Enterprise and I have a card that has primary, but I get liability from the rental company so I don't pay my deductible. I did experience people totaled a car being in fault and having to pay out of pocket for not having liability.
@VikramKrishnan4046 жыл бұрын
That would fall under collision or personal accident insurance though, wouldn't it?
@asahai25 жыл бұрын
How do u address loss of use, diminution of value, and admin fees.
@gvrdnnk31025 жыл бұрын
I just had a flip with my rental car ...only collision no other car involved ... Filed cliam with amex card ...fingers crossed..you think I will hear good news?? FYI ..I declined insurance with rental
@BronzeBobcat3 жыл бұрын
@@gvrdnnk3102 how'd that go?
@gvrdnnk31023 жыл бұрын
@@BronzeBobcat all covered 11k poor amex!!!!
@tayish6616 жыл бұрын
I have gained so much knowledge just from your you tube. Keep up the good work. 😊😊
@ytpremium7649 Жыл бұрын
My Chase freedom unlimited covers any car up to $65000 and covers the car 100%. I parked at the mall and when I returned to my rental it was smashed in a hit and run by a semi from the side and considered salvage by DMV Chase paid the full value of the Nissan which was $34,000 and paid it within a week
@WallStMario6 жыл бұрын
Liability is 17.95/day at Enterprise Rent A Car in FL. Im aware that it varies by state.
@davishlamburnt37346 жыл бұрын
I've been waiting for this for the longest time. Thanks Sebby!
@rosannachung61216 жыл бұрын
Another thing to be aware of is that even credit cards that offer primary CDW often don't cover all costs associated with a damaged rental car. Depreciation/diminished value claims for the loss in value of the vehicle after the accident are usually excluded from credit card CDWs, leaving the renter stuck with the bill. A diminished value claim can end up being thousands of dollars in itself. For the most risk averse person, it may be worth it to purchase both CDW and liability from the rental company just so they can completely walk away in the event something happens.
@BabyGangsterIsMe Жыл бұрын
u dont need to buy CDW bc credit card can cover up to 75k... the only thing u buy is LIABILITY at the counter. Dont waste money to buy CDW
@TheMoises12132 жыл бұрын
Card doesn’t cover another persons car so how does that go?
@nicolasryanarcilla32574 жыл бұрын
I called up Enterprise Rent A Car and they told me their cars already have liability protection. What they offer is supplemental liability protection which covers up to $1,000,000
@nicolasryanarcilla32574 жыл бұрын
I kept asking then how much is the coverage for liability protection and they kept saying they don’t know and they have to relay my question to the escalation department.
@BabyGangsterIsMe Жыл бұрын
@@nicolasryanarcilla3257 lol.. u have to ask their liablity protection..maybe 5k max lmao .... i always accept libality at rental and reject CDW bc u dont need CDW
@amandar49804 жыл бұрын
If you use a chase card to cover CDW, and rent from a website like Expedia; do not I repeat do not buy rental insurance from Expedia or third party. Use the card, and then if you want buy only the liability from the rental company at the counter. /// if you did buy third party insurance, that voids the card CDW insurance.
@lscott9263 Жыл бұрын
Still with the card; or with another form of payment?
@aubreymartin14126 жыл бұрын
Happy Chase Day everyone... 5/24 ;)
@niansillabffs3 жыл бұрын
American Express says that I must refuse all coverage at the counter so I cannot get liability separately. Or did I read that wrong? For the preferred card
@c.m.redhouse76672 жыл бұрын
Hi Sebby, do you have any reviews or thought about the American Express Business benefit for Premium Rental Car Protection? From what I read, it is a rental protection of a "flat" rate up to 42 consecutive days of rental. No deductible for damage vehicles and may cover secondary medical. I have my own liability and never buy any type of insurance or protection at rental car agencies. But any word you've heard about the AMEX Premium Rental Car Protection.
@hemantasharma5292 Жыл бұрын
What if my credit card offers only secondary collision damage insurance and i do not have a personal car insurance? If in case of collision, how does the secondary insurance kicks in.
@TheMotorcycleBoss6 жыл бұрын
Super happy you covered this.
@ntr64505 жыл бұрын
If you accept additional coverage (liability) from the car rental company the primary CDW will no longer be put to use, correct? If I understood correctly the primary CDW is only able to be used if you reject additional coverage. Please inform me if I am incorrect.
@missysolon18872 жыл бұрын
I am wondering this too.
@ManjitSandhu7 ай бұрын
Nice Video. Thanks. I do have my own insurance BUT when I rent a car I want coverage such that if I was in an accident I can just walk away with no out of pocket, no liability and no impact on my own car insurance rates. What is such a rental car insurance called. When I am at the rental counter what do i ask for?? And what does it typically cost (compared to say daily rental rate.. is it 50% or 100% of daily rental rate). Thanks
@tayish6616 жыл бұрын
You are the best I've told all my friends about you.
@nicolegugliotticraft6 жыл бұрын
this was helpful, thanks!
@healthyamerican5 жыл бұрын
i hit a uhaul truck that pulled out in front of me...other driver was cited..neither driver nor uhaul nor geico wants to take responsibility. i have medical bills and a lawyer for this...i`m wondering who is going to be sued by the lawyer to pay up?
@jrisbak2 жыл бұрын
If you want coverage purchase outside insurance like Sure Rental Insurance
@tataatreyaАй бұрын
Thank youuuuuu
@feelings-arent-facts6 жыл бұрын
I'm browsing a rental car in Santorini and you upload the video! So, I should use CSR to book and get the liability right?
@sbkpilot16 жыл бұрын
I usually don't buy any insurance at all when I rent a car, I have CSR which covers Collision/Comp as primary and my personal insurance policy covers liability upto 100/300. Liability risk is the same as when you drive your own vehicle, 100/300 should be the minimum, many people get 15/30 which is not sufficient for liability for the reasons you covered - potential injuries, multi-vehicle etc. I do buy liability when I rarely rent overseas as my domestic policy with AAA does not cover outside the US.
@oeckstei2 жыл бұрын
So would you say having a credit card with primary CDW and AAA for liability covers you well enough? Domestically?
@nikolabj7748 Жыл бұрын
You said "Liability is not really covered anywhere else" but it should be clarified that it is, in fact, covered everywhere else outside of US: proof of full liability insurance is the renewed license plate and that is that, you are fine unless you drive drunk. There is a huge world out there. Just saying
@vwong17086 жыл бұрын
I booked a trip off expedia a few months ago with my CSP card, I declined all the insurances it offered especially the car rental ones. I have my own car insurance policy that i will use. My dilemma is that, my trip is coming up next week, and since purchasing the trip package off expedia and now, i have downgraded my CSP to a Freedom and was approved for the CSR. When i get to the car rental counter, I will be declining the additional insurances from the rental agency. but what card should i have placed for the deposit. My freedom Unlimited, or the CSR... i've read that inorder for the CDW to apply, the entire reservation must be on that card.. and since i booked my trip with my CSP which is now the same card number as my FreedomU, should i stick with that? I rather use the CSR primary CDW but since i didnt book intially using that CSR card, i doubt theyll honor the primary CDW if something happens. Whats your input on this. Thanks
@joaquinlopez11695 жыл бұрын
Whatever card you want to use to cover the cdw on the rental is the card you must prepay with and pay the deposit with. Otherwise the card does not have to honor the cdw it provides for a rental. If you do decide to use the credit card to cover the cdw for the rental, it is always good to purchase the renters liabilty at the counter just to be safe considering most insurance companies will not transfer the liabilty portion on vacation rentals especially if your traveling to other states; mostly states that are considered high risk
@luciolujuria3 жыл бұрын
does this apply for turo
@ksbma Жыл бұрын
hello, do you happen to know if the Capital One Venture X card covers roadside assistance and personal accident coverage?
@tataagostino5563 Жыл бұрын
Yes. It covers "reasonable" roadside assistance in the same state (you can only rent the car 15 days or less for venture x to help you out). Theft/damage to vehicle that you're renting is covered, but not other vehicles. I want to say the don't pay for injury/medical bills.
@ksbma Жыл бұрын
@@tataagostino5563 okay thank you!
@jeffdo91956 жыл бұрын
Good topic
@RobFrank223 жыл бұрын
Buy Liability from rental co even if u have full coverage
@Howrider653 жыл бұрын
Capital one dumped CDW and travel insurance in 2021..
@dbird29976 жыл бұрын
Hey Sebby, I don't own a car but my husband does. Enterprise carshare allows spouses to drive. I just assume that if there is any issue when he's driving it won't affect his insurance and the insurance will be via my credit card or any additional insurance I buy through Enterprise?
@AskSebby6 жыл бұрын
If you buy CDW and liability insurance through Enterprise, they take care of the damages (as long as you return the keys). Credit card- depends on the card. You'll also have to go through the claims process which takes some time.
@WaynesTW6 жыл бұрын
Hi Sebby, which card do you usually use for car rentals ? I have a car in NYC so I am mostly covered when I rent somewhere else but can certainly benefit from roadside assistance or supplemental coverage offered by some credit cards. I use almost exclusively Sixt car rental and usually one of my Amex cards but now have CSR and it seems to provide better coverage. thanks for all the videos - thanks to you I have so many hotel points and miles that I will be able to travel for very little throughout the year!
@AskSebby6 жыл бұрын
It depends on the benefits you're optimizing: www.asksebby.com/blog/which-credit-cards-offer-roadside-assistance If you have a car, you'd probably want primary CDW (CSP/CSR, etc.)
@ymbrox6 жыл бұрын
Where does American Express premium car rental protection fall under this?
I have that too and thought that it covered liability. So that falls on my personal insurance I see. Thanks for the link.
@imperium20006 жыл бұрын
👍
@darvinray17836 жыл бұрын
I can’t seem to find any 3rd party travel insurance company that covers liability for car rental. Most just cover CDW. :( I guess we’re stuck at getting it from the car rental company
@AskSebby6 жыл бұрын
Amex Centurion card ;)
@darvinray17836 жыл бұрын
Ask Sebby - yeah nah. I dont spend enough to qualify for an amex black card.
@tausigmanova6 жыл бұрын
OnePlus 6 box?
@AskSebby6 жыл бұрын
Video on this soon :)
@tausigmanova6 жыл бұрын
Ask Sebby awesome, still rocking the 3T but probably gonna upgrade to the 6 in the next few months
@peteskeet94436 жыл бұрын
Helpful! I always get CDW when renting.
@ivansalamakhin55305 жыл бұрын
so does my visa credit card will cover damage to the rental car?
@AskSebby5 жыл бұрын
"Visa credit card" is very vague. Check your benefits guide.
@scubamarilu4 жыл бұрын
Only Visa Gold or Platinium.
@lewis200020006 жыл бұрын
Sure I turn down the rental car's company insurance, but even with my premium credit card car insurance I always submitt my regular car insurance as my backbone car insurance when I rent. I think the confuse with some people is thinking the CC insurance is just like the regular car insurance. Then again I am a guy that keeps health and dental insurance from my regular job and my naval reserve membership.
@buzybill6 жыл бұрын
I have a liability insurance for my personal car. Does that mean I am covered when I rent a car?
@imperium20006 жыл бұрын
buzybill yes
@AskSebby6 жыл бұрын
Depends on your plan. Some cover rentals and some don't.
@gadamwoll4 жыл бұрын
You forgot medical
@Jason-ri8th2 жыл бұрын
When a car rental company says you need "full coverage" does that include comprehensive (non accident damage, tree falls on car)? And if so, is this ever covered by credit cards? I have liability for my car already and I am trying to use my card for the others.
@BabyGangsterIsMe Жыл бұрын
you are confusing. If you dont have FULL COVERAGE on your personal car insurance, they it wont cover. If u have full coverage, then it will cover CDW and liability. If not, u need to buy liablity at the counter and reject CDW ... so easy to understand... if u dont have full coverage on your personal car insurance, there is no way u have liablity for rental