Do you rent a car? Maybe you're on a business trip, and ships have flown to your destination and need a car to get back and forth to the office. Maybe your car is damaged by a hit and run driver, and you have to rent a car, while yours is getting repaired. Regardless of the reason for the rental car, please pay attention to the message I am sending this article. Rental car companies are tricky! I use the word tricky because it is the most beautiful word I can think of to describe what some rental car companies do. Here are some very good tips to use when you are forced to use a rental car.
1 First of all, make sure your auto policy will cover the rented vehicle. There are new policies out there that have a certificate signed them to alleviate the insurance carrier of the "contractual" responsibility aka rental car agreement.
2 Be careful, and I think certainly, you insist on pre-rental inspection form is filled out and get a signed copy from the rental company employee (and employee business cards, if possible). This is a normal list, which has a very simple drawing of the vehicle rental company that will rush through filling. They will usually ask you to "x" anywhere in the picture, where you can see the damage to the vehicle.
3 During its pre-rental inspection of vehicles, take your time! Do not let anyone rush you and do not miss anything at all, no matter how small it seems. I have experienced rental company employees suggests that certain claims may not be stored for review form, because they are too small to worry about. I do not believe it. Write down everything. In fact, here are some common areas of people miss:
A. Windshield chips and cracks.
B. stains or tears in the interior upholstery.
C. Rock chips on front bumper cover or lid.
D. scratches on the rear bumper.
E. latch on the rear passenger side door or not.
F. mirror was loose.
G. Wheels are scuffs or scratches on them.
H. antenna is broken or not working properly (if it's one of those up and down one).
I. Under the door dings.
4 If your insurance does not cover contractual liability, not even bite the bullet and buy a "damage waiver" from the rental company, or be warned!
Ok, so things that might not have coverage for damage to rental cars, and even if you do, make sure that the damage was already on the vehicle can not be said against their insurance policy. As an insurance adjuster for the company, which excluded contractual liability for companies that paid him, I saw some crazy claims of rental companies. I will not name names, but some of the major car rental companies are the worst of trying to generate revenue by what industry would call "non-meritorious claims, but has not been proven as a fraud. Here's a new set of numbers reflects the scenario that I've seen a hundred times or more. . .
1.Najmoprimac rented car (not seen any damage, and probably only signed off on the form of damages review without even knowing it, or do not notice the little things) and has a neat trip.
2.najam vehicle returns to the rental company as it was prior to travel.
3.najam company is now going through the car with a fine toothed comb and placed three door dings, multiple abrasions on the rear bumper, and three chips in the windshield that must be repaired. They get the damage assessed and the total damage $ 742.00. On top of cost of repair, the vehicle will have to be in store for three or four days to get all the repairs done, and the time the vehicle was in the shop, hire a company is "losing money" because they can 't car rental van.
This is another $ 120.00 the lost earning potential, and they may even try to argue that the car because it has to be repaired will have suffered some inherent diminished value. Oh, and do not forget the administrative fee, because time had to spend preparing the request and such, it is still $ 50.00. They will try everything they can to make a buck or two at your expense.
4.najam company (if you did not get the damage waiver), and then makes a claim against the insurance company for damages (now at over $ 1000.00) plus $ 100.00 is the price for them to get the damage assessed.
5 Your insurance company (if there is no confirmation of relieving them of contractual liability), will have to "entertain" claim.
6 During the entertainment stage, your insurance company is supposed to contact you to see if they can find out what happened (though no matter what you owe damages because of the lease that says you do not ).
7 Since I have no idea what happened and did not read this article, so you do not have a copy of the pre-rental inspection form shows all the damage is already there, your insurance company will probably make a payment of around $ 500.00, actual labor costs associated with repairing lease vehicles.
8 If you tell your insurance company that the damage was there when you rented a car, and they refuse to pay the rental company and then hire a company will get mad that their trick does not work, and they will try to collect money directly from you, and could even try get it on your credit if you do not pay. If this happens to you, my advice is to look at their remedies under the Trade Practices Act deceptive or consult a lawyer.
To sum up, by being "tricky" and be nice to you when you rent a car, and when you put it back in, hire a company took advantage of his trust in them, and it fixed all wear the rental or hole just money (and will do the same thing on the same vehicle over and over again). All at the expense of their claims history and premiums. Did you know that even if the accident was not your fault, it still counts against you if you use your own insurance? Most insurance companies assign a point system according to the type and severity of claims.
If you run into two or three times within a year or two (through no fault of their own), or if you are a victim of theft or vandalism, you can bet it will be flagged as high risk because of their "happiness" and eventually will have a higher premium. In addition, most insurance companies have the right to cancel your policy only if the flat you have an accident within the first 30-60 days of the policy term, even if the accident was not your fault. Do not let the car rental company trick you, shame on you, or cause your insurance rates or credit score to a negative impact!
0 comments:
Post a Comment