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Boy I hate the insurance shakedown. Enterprise did that to me the other day, and they were not friendly when I politely told them no. They wanted to know who m

Boy I hate the insurance shakedown. Enterprise did that to me the other day, and they were not friendly when I politely told them no. They wanted to know who my insurance carrier was and what the policy was. I told him it was just fine and if they don’t like it I can go to somebody else. They did end up renting me the car, but I felt like I was being treated like a criminal. Another time: I was behind a couple at Hertz and the employee at the desk made those people call their insurance company on the spot to verify coverage. Ridiculous.

midnightclubbed 5y ago
While they are also trying to sell you their overpriced insurance I can totally see why they want to check that you have the insurance that covers >$20k of their assets if you crash into another car in an unfamiliar city. A lot of people don't have comprehensive coverage on their own vehicle, or have a personal vehicle that is of lower value than the one they are renting. I'm not excusing the rude/hostile tactics that some rental places force people to endure (for which they should not get repeat business and be open for legal action) but I can see some reasoning for them to check insurance policy details before handing over the keys.
- Overtonwindow 5y ago
  If you rent with most credit cards, it comes with insurance. Most insurance policies have a rental provision. Would you rather provide that information electronically, or be forced to call your insurance company at the counter? I think it’s an intimidation tactic and unreasonable.
listenallyall 5y ago
Ridiculous? Would hand your car keys to a stranger who couldn't produce insurance documents?
- throwawayboise 5y ago
  If that's my line of business, why am I not responsible for insuring my business assets?
  - listenallyall 5y ago
    Think about it for a second instead of asking crazy questions. The drivers of your cars need to be incented not to wreck them. If you bore sole responsibility for insurance, drivers would take your vehicles to the racetrack, steal parts from them, go off-roading, engage in demolition derbies, drive recklessly, report them stolen, leave them in random places... and plenty more completely irresponsible behavior. Good luck finding an insurer for your "business assets."

midnightclubbed 5y ago

While they are also trying to sell you their overpriced insurance I can totally see why they want to check that you have the insurance that covers >$20k of their assets if you crash into another car in an unfamiliar city. A lot of people don't have comprehensive coverage on their own vehicle, or have a personal vehicle that is of lower value than the one they are renting. I'm not excusing the rude/hostile tactics that some rental places force people to endure (for which they should not get repeat business and be open for legal action) but I can see some reasoning for them to check insurance policy details before handing over the keys.

Overtonwindow 5y ago
If you rent with most credit cards, it comes with insurance. Most insurance policies have a rental provision. Would you rather provide that information electronically, or be forced to call your insurance company at the counter? I think it’s an intimidation tactic and unreasonable.

listenallyall 5y ago

Ridiculous? Would hand your car keys to a stranger who couldn't produce insurance documents?

throwawayboise 5y ago
If that's my line of business, why am I not responsible for insuring my business assets?
- listenallyall 5y ago
  Think about it for a second instead of asking crazy questions. The drivers of your cars need to be incented not to wreck them. If you bore sole responsibility for insurance, drivers would take your vehicles to the racetrack, steal parts from them, go off-roading, engage in demolition derbies, drive recklessly, report them stolen, leave them in random places... and plenty more completely irresponsible behavior. Good luck finding an insurer for your "business assets."