07-20-2011 09:26 AM - edited 07-20-2011 09:27 AM
That's what I get for not paying attention. Didn't realize you were the other RSA here. Then yeah, you can get away with whatever you want LOL.
At the same time, my point is still valid for most people and if I didn't say it, there'd be people thinking they would be fine doing the same thing. So it needed to be said anyway.
07-20-2011 09:40 AM
No you're absolutely right there. I would leave it on the AmEx if I was at an unfamiliar location. I have no problem paying AmEx for the coverage but like I said, if I change cards at return, I realize AmEx is no longer going to cover me. It's not a shady tactic because Amex isn't on the hook for my rental vehicle, and I don't have to pay for coverage I know I won't need.
07-20-2011 01:37 PM
Yes, it should. As long as you pay with your Amex through Hotwire and also swipe that card at check-out.
07-20-2011 08:35 PM
Someone already mentioned that the AMEX is primary, and other cards' insurance is secondary to your own coverage. This is a very important distinction for those (like myself) who have older cars and do not have any comprehensive/collision. In my case, I have no primary coverage whatsoever, since liability won't cover this. I'm not sure, but I suspect that normal secondary card coverage wouldn't pay anything because of that. I'd rather not take the chance. I figure the odds of my having an accident are magnitudes higher in some busy city that I'm unfamiliar with than they are at home. And in cities with limited parking, odds are decent you'll get dings in parking garages where cars are wedged in like sardines.
As far as walking around and getting them to sign off that there's no damage, this can be very, very difficult at the busy locations. I stick with Hertz because of this -- they cater mostly to business travelers and they won't nickel-and-dime because that will cost them business. If you read travel forums, you'll find they tend to be a lot pickier at the budget places that cater mostly to leisure travellers. I read particularly bad things about Enterprise. Hertz and Avis do cost more, but I think I'm less likely to have some bogus claim crop up with them.
I take many pictures before I leave, & I mark the heck out of the pre-rental form. And I do my best to get someone one to write 'no damage' and sign it when I return.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.