Totalled a rental car need advice

[cet]

So I assume that if you have the CC rental car coverage it's better to use that first so you don't affect your personal insurance rates.

[shakalaka]

Originally posted by Masked Bandit


"Touring Package" is a TD specific term that from what I understand is the SEF 20 & 27 combined. Most insurance companies have a package like this available, everyone just calls it something different.

As others have pointed out, the SEF 27 whether you're sourcing from your auto policy or from your credit card is always restricted to A) private passenger vehicles (no recreational or commercial units) and B) a hard cap of somewhere between $40K & $85K depending on company.

A little trick to employ if you happen to have coverage on both the credit card AND your auto policy. Should you need to trigger a claim always push the credit card first. They'll ask if you have coverage elsewhere, just tell them no. A claim run through your credit card doesn't usually show up on regular insurance history reports meaning it doesn't mess up your record. A claim pushed through your main policy counts on your record just the same as if you were driving your own car.

Good to know Bill. Cheers.

[Masked Bandit]

Originally posted by cet
So I assume that if you have the CC rental car coverage it's better to use that first so you don't affect your personal insurance rates.

Bingo!

[gretz]

Aside from all of the insurance mumbo jumbo, you paid for winter tires and the car was not equipped with them... Couldn't that be leaned on as a "fuck you" to the rental car company?

They mislead you into believing there was winter tires on the car, charged you for it, and the fact it didn't have them and is a contributing factor to the "accident", I'd tell them to pound sand.

>"I'd like the winter tires"
"sign right here on the contract for winters"
>"Signed, thankyou"

Crashhhhhhhh

>"These aren't winter tires" = contract not representing the rental agreement
They have an M+S rating though
>"are they winters?"
"No"
> "Eat a bag of dicks"

AKA, I would be hesitant to pay up, even if you were at fault

[My_name_is_Rob]

Wouldn't that require proof of due diligence prior to driving the car off the lot though?

[revelations]

The lack of winter tires means fuck all in terms of leaning on anyone.

There is no 100% certainty that this accident would have been avoided with winter tires.


Now had a wheel fallen off for eg. and you hit a tree, it would be a certainty that an accident would have been avoided.

[gretz]

Originally posted by revelations
The lack of winter tires means fuck all in terms of leaning on anyone.

There is no 100% certainty that this accident would have been avoided with winter tires.


Now had a wheel fallen off for eg. and you hit a tree, it would be a certainty that an accident would have been avoided.

100% certainty? No...

Contributed? I'll let you decide that one lol...

If I paid for something and signed a contract stating "X" and the equipment failed because it was actually "Y", would the contract potentially be void?

[Tik-Tok]

Originally posted by Masked Bandit


As others have pointed out, the SEF 27 whether you're sourcing from your auto policy or from your credit card is always restricted to A) private passenger vehicles (no recreational or commercial units) and B) a hard cap of somewhere between $40K & $85K depending on company.

Speaking of which... say you're renting from U-haul. Does SEF 27 cover a pick-up truck? What about a cube truck, is that considered commercial??

[trollolhah]

Originally posted by realazy


The catch is that only "premium" credit cards have this. So some free basic credit card will not have this coverage. Which credit card do you have? Look up the cardholder agreement online.

CIBC aerogold visa

[trollolhah]

Pics of these "snow tires".



http://imgur.com/r81d2OG

[craigcd]

Assuming you paid with the card....


"As a CIBC Aerogold Visa Cardholder, you can save up to $25 a day on car rental insurance. Simply charge the full cost of your car rental to your CIBC Aerogold Visa Card and decline the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW)."

[taemo]

read the fine prints of your CC rental insurance too though, for example some may not cover trucks, SUV or Vans

and +1 on using your CC first before your own insurance, no deductibles and wont affect your rate

[realazy]

Here is the insurance certificate for the Aerogold Visa.

https://www.cibc.com/content/dam/per...surance-en.pdf

Read the fine print. You should be covered though.

[trollolhah]

Originally posted by craigcd
Assuming you paid with the card....


"As a CIBC Aerogold Visa Cardholder, you can save up to $25 a day on car rental insurance. Simply charge the full cost of your car rental to your CIBC Aerogold Visa Card and decline the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW)."

Declined LDW and paid full with credit card

[Mitsu3000gt]

Haha those look like bald all-seasons. Pretty ridiculous they charged extra for those though I would expect nothing less from any car rental company.

[BensonTT]

Got into a fender bender with a rental a few years back.. Lucky my card covered damages or I would have been fucked lol

[rx7boi]

Originally posted by Kijho


This. In 2015 after my car accident I had a rental car and my insurance person told me probably 3 or 4 times on the phone to "make sure you carry your personal insurance papers" because rental car was covered under my own personal insurance and they told me to decline any "extras" the rental offers because I already have insurance on the car.

I paid for it when I got my rental while my car was being fixed haha.

But now I'm thinking that if I had coverage through my Westjet MC, I could have just put a claim through that without it affecting my premiums.

Edit: I read through the Westjet MC auto rental agreement and they won't cover anything if my insurance company is covering the cost of the rental.

The coverage only applies if I pay for the entire rental using my own CC.

Also, what your insurance guy tells you doesn't mean anything. You and him both know that your comprehensive coverage would extend to your rental. What he's failing to tell you is that if you put a claim through your own insurance (sure that's what it's there for), then your premiums go up.

Is it worth buying the additional coverage so that you don't need the headache of another record on your file? Personally, if I was only driving a rental for a week and it cost 17 bucks/day for insurance coverage, I'd do it.

[revelations]

Originally posted by gretz


100% certainty? No...

Contributed? I'll let you decide that one lol...

If I paid for something and signed a contract stating "X" and the equipment failed because it was actually "Y", would the contract potentially be void?

How do they know that you werent driving like the car like a clown? (Not saying you were, but there is doubt from their perspective.)

The equipment did not fail, you failed to adjust to driving conditions unfortunately although I agree that the tire looks really pathetic and likely I might have spun out even at low speeds.

What is their definition of a winter tire? M+S ?

[shakalaka]

Aerogold covers rental insurance I believe.

[trollolhah]

Went to CP to file report, turns out have to go to RCMP because it was outside of Calgary jurisdiction.

Okotoks RCMP is closest but closes at 5pm uhhhg.