Extra Coverage Saved Me Once
Sometimes that extra coverage is just worth the peace of mind, especially if your own policy has gaps. It’s one of those things you hope you never need, but when you do, you’re glad you have it.
Couldn’t agree more. I used to roll my eyes at the “do you want extra insurance?” pitch at the counter, but after a deer decided to play chicken with my rental last winter, I’m a convert. My regular policy left me hanging on some weird technicality—something about “rental exclusions.” Ended up wishing I’d just paid the extra $15 a day.
Montana roads are basically a choose-your-own-adventure book, except sometimes the adventure is “surprise elk.” If you’re even a little unsure about your coverage, that extra peace of mind is worth it. Beats arguing with insurance adjusters who act like you’re trying to scam them because a moose dented your bumper.
Montana roads are basically a choose-your-own-adventure book, except sometimes the adventure is “surprise elk.”
That line made me laugh, but it’s honestly true. I used to think my credit card coverage was enough, but then I found out it doesn’t cover “loss of use” fees from the rental company. Learned that the hard way after a fender bender in Bozeman—ended up paying out of pocket for days the car was in the shop. Has anyone actually had their credit card insurance come through for them, or is it mostly just fine print?
I totally get the “surprise elk” thing—my first time driving through Montana, I was more worried about dodging wildlife than other cars. As for the insurance, I always thought my credit card had my back too, but when I actually read the fine print, it felt like a cruel joke. There’s always some random fee or exception. Honestly, I’m leaning toward just paying for the extra coverage next time. Peace of mind seems worth a few extra bucks, especially when you’re out in the wild west...
Honestly, I’ve seen too many folks get burned by those “exceptions” in the fine print.
Been there myself—thought my card covered everything until a deer ran out and, well... lesson learned. Sometimes paying a little extra upfront really does save you from a headache later.“when I actually read the fine print, it felt like a cruel joke.”
I hear you on the fine print—those “exceptions” are wild. I used to think my credit card coverage was bulletproof, but turns out, “acts of wildlife” weren’t included either. Had a close call with a moose up near Glacier last year and only realized after the fact that I would’ve been on the hook for everything if things had gone sideways. Honestly, I don’t love paying extra for insurance, but with my driving record (couple speeding tickets, one not-so-minor fender bender), rental companies already treat me like I’m made of liability.
Curious though—has anyone actually had a claim go through smoothly with just their credit card coverage? Or is it always a hassle? Sometimes I wonder if it’s all just peace of mind versus real protection...