I forgot to add the $15/rental that American Express charges for their protection program. I supposedly don't have to deal with anybody but American Express. They handle it all.
Alamo's $13/day charge for Liability is now my setpoint. I was taken aback by Payless $20/day liability and she claimed she gave me the lowest priced liablity option.
My thinking is the $13/day plus the American Express charge of $15/rental (no matter the length of rental) puts American Express between me and the rental agency; their insurance company; my insurance company; the claimant insurance company (if any).
Whether you have had to deal with a claim is not relevant. I too have been fortunate in not getting into accidents that had injuries. Except when a teenager way back in the 70's and I had a little car called Simca (I think it was made in Yugoslovia). Hit a car on it's side going slow at a four way stop. The passenger opens his door; take off his seat belt and falls out (after about ten seconds) :-)
--- In vpFREE@yahoogroups.com, "vp_wiz" <harry.porter@...> wrote:
>
> Dave, I agree with the general line of reasoning you outline. But, not having incurred a single vehicle liability claim in my 37 years of driving (I've had my share of collision claims), I personally wouldn't pay up $159 per rental for the option to forgo a claim to my auto insurance in the event of such a claim.
>
> For that matter, faced with a liability claim, I'd feel much more secure with a firm I've personally vetted standing behind me, than whoever backs the renter's insurance option.
>
> - H.
>
> --- In vpFREE@yahoogroups.com, "Dave" <haaljo@> wrote:
> >
> > You don't understand. Payless NO longer has me as a customer. I tried them once and that's it.
> > Here's a breakdown of the charges totaling $463:
> > Rate Charge: $139
> > Cons Facility Charge: $30
> > Renters Liability Prot: $159
> > Roadside Service Prot: $24
> > Vehicle License Fee: $11
> > Sales Tax: $27
> > Clark County Fee: $7
> > Govt Servcies Fee: $33
> > Concession Red Fee: $33
> >
> > Whether it's a good idea to decline all insurances depends on your personal financial situation; how valuable is your time dealing with your own insurance company and rental agency and whether or not you are adequately insured back at your home/business.
> >
> > Like I in previous post Alamo is $13/day for liability and never heard of the Roadside Service Protection before, I guess that is a little extra that I could have declined but the agent told me it was mandatory.
> >
> >
> >
> >
> >
> >
> > --- In vpFREE@yahoogroups.com, kypat@ wrote:
> > >
> > > They LOVE customers like you.Did you actually take the insurance and the
> > > roadside protection?
> > >
> > >
> > > In a message dated 8/30/2012 2:07:18 P.M. Eastern Daylight Time,
> > > haaljo@ writes:
> > >
> >
> > > Just did 8 day rental with payless.
> > > The cost was ~$450 for a hyundai elantra.
> > > Nice car did 300 miles and got almost 30 mpg.
> > >
> > > They charged $30 for roadside protection and $160
> > > for liability insurance. We use american express
> > > and for $15 they "cover" the other insurances no matter
> > > how long. More importantly deal with all the paperwork (supposedly)as long
> > > as you take the rental car liability.
> > >
> > >
> > >
> > >
> > > [Non-text portions of this message have been removed]
> > >
> >
>
