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Do you really need extra insurance for a rental in Montana?

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jake_baker
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(@jake_baker)
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That’s exactly the kind of thing that worries me. I’ve had a couple of close calls with rentals, and every time I dig into the policy details, there’s some weird exception or loophole. Has anyone actually had a rental company push back hard on “loss of use” charges? I’m always wondering if it’s just scare tactics or if they really go after people for that.


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coder93
Posts: 15
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Honestly, I think the “loss of use” thing is more than just scare tactics. I had a fender-bender in a rental once, and they tried to stick me with a bill for days the car was out of commission—even though they had plenty of other cars on the lot. My own insurance covered most of it, but it was a headache. Rental companies definitely don’t mess around with those charges, especially if they think you’re not covered. It’s not just empty threats, unfortunately.


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birdwatcher83
Posts: 26
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Yeah, “loss of use” is definitely real—seen plenty of folks surprised by it. Even if the lot looks full, they’ll still charge for every day that car’s out. Sometimes your credit card covers it, but not always. It’s a pain to sort out after the fact.


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Posts: 8
(@holly_rebel)
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That “loss of use” thing kinda freaks me out, honestly. I always thought if you dinged a rental, you just paid for the repairs and that was it. Didn’t realize they’d charge you for days it’s sitting around too. My credit card’s coverage is a mystery to me... guess I should actually read those terms instead of just clicking “accept.”


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Posts: 9
(@johnw26)
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Yeah, the “loss of use” thing tripped me up the first time I rented a car too. I figured, worst case, I’d just pay for a busted bumper or whatever. Didn’t expect them to tack on extra charges for the days it’s out of commission. My credit card supposedly covers rentals, but the fine print is like reading a foreign language. I’ve started screenshotting the terms just in case... but honestly, who actually reads all that legalese? It’s wild how many little fees can sneak up on you.


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