I totally get where you’re coming from. Last summer, we rented a minivan for a Yellowstone trip—three kids, gear everywhere, the works. I thought my regular insurance would be enough, but then my brother-in-law pointed out that “loss of use” thing you mentioned. Didn’t even cross my mind before. We ended up adding the extra coverage at the counter just for peace of mind. It felt like overkill at first, but after seeing how unpredictable those backroads can be (one close call with a deer…), I was glad we did. Sometimes it’s just not worth the stress.
Honestly, I was in the same boat—first time renting a car, and I figured my regular insurance would cover everything. Turns out, it’s not that simple. The “loss of use” thing totally threw me for a loop too. I mean, who thinks about paying for a car you’re not even driving because it’s in the shop? Wild.
I debated skipping the extra coverage, but after reading horror stories about people getting billed for every little scratch or chip (and those Montana roads are no joke), I caved and paid for the extra insurance. It felt like a money grab at first, but honestly, I slept better knowing I wouldn’t get hit with some random bill later. Maybe it’s overkill, but for me, the peace of mind was worth the extra $15 a day or whatever it was. Plus, with my luck, I’d probably be the one to meet a moose on a blind curve...
I get where you’re coming from. I’ve always been skeptical about those extra insurance charges—feels like they’re just tacking on fees because they can. But then again, I remember renting a BMW in Colorado and getting a tiny rock chip in the windshield. My regular insurance covered the damage, but the rental company still tried to bill me for “loss of use” while it was being repaired. Is that even fair? I ended up fighting it, but it was a headache. Makes me wonder if the peace of mind is worth the extra cash, or if it’s just paying for something you’ll never need. But yeah, Montana roads... I wouldn’t want to test my luck with a moose either.
Yeah, I hear you on the “loss of use” thing—it feels like a sneaky way for rental companies to squeeze more out of you. I’ve had similar run-ins, and it’s always a hassle to sort out. Honestly, I usually skip the extra insurance if my own policy covers rentals, but Montana’s a different beast. Between gravel roads and wildlife, the risk just feels higher. Sometimes I’ll spring for the windshield coverage if it’s cheap, just for peace of mind. Otherwise, I cross my fingers and hope nothing happens...
I get where you’re coming from, but I actually lean the other way—especially in Montana. My regular insurance technically covers rentals, but last summer a buddy hit a deer outside Bozeman and the rental company still tried to ding him for “diminished value.” His policy didn’t cover that part. I’d rather pay a little extra up front than get stuck with a surprise bill later. Those gravel roads are no joke...