I get wanting peace of mind, but honestly, I’ve never bothered with the extra insurance.
Maybe I’m just stubborn, but I’d rather deal with a little hassle than shell out for coverage I probably won’t use. My own auto policy and credit card have always covered me fine—even in rural Montana. The “loss of use” thing is annoying, but most cards actually reimburse that if you read the fine print (yeah, it’s a headache). For me, paying double at the counter just isn’t worth it.“I’d rather pay a bit extra up front than argue with a rental desk in the middle of nowhere.”
I get where you’re coming from, but have you ever actually had to file a claim through your credit card or personal policy? That’s where things can get messy.
Maybe you’ve been lucky, but I’ve seen people get stuck with surprise fees because their card didn’t cover “diminished value” or the rental company’s admin charges. Is saving $15 a day really worth the risk of a drawn-out argument if something goes sideways?“My own auto policy and credit card have always covered me fine—even in rural Montana.”
I hear you on the hidden fees—those admin charges are sneaky. But honestly, I’ve had to file a claim once after a fender bender in a rental (not in Montana, but still rural), and my credit card handled it. Took a few phone calls, sure, but it wasn’t a nightmare. I guess I just hate paying for insurance I might not need. Maybe I’m rolling the dice, but $15 a day adds up fast if you’re renting for a week or more.
I guess I just hate paying for insurance I might not need. Maybe I’m rolling the dice, but $15 a day adds up fast if you’re renting for a week or more.
I get where you’re coming from, but after my last run-in with a deer (Montana highways at dusk... never again), I kinda wish I’d coughed up for the extra coverage. My credit card covered some stuff, but there were gaps and it took months to sort out. Felt like a gamble that didn’t pay off that time.
Honestly, I get the worry about “gaps” in coverage, but I’ve always wondered if the extra insurance is really worth it for everyone. A few things I think about:
- Most credit cards already cover collision damage (not liability though), so doubling up feels redundant.
- My regular auto policy extends to rentals, at least for me—worth checking if yours does too.
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—yeah, paperwork is a pain, but is that hassle worth $100+ for a week? For some, maybe. For me, I’d rather risk the paperwork than pay extra every time.“it took months to sort out”
I guess it comes down to how much you hate dealing with claims vs. paying upfront. For me, I’ll take my chances unless it’s winter or I’m driving somewhere really remote.
