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Renta Car insurance

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Posts: 22
Eminent Member
Topic starter

Talked to my insurance agent yesterday trying to get my head wrapped around car rental extra insurance, maybe you can help. My agent said my policy will cover me in St Thomas for liability and what it covers me for now, my American Express extra coverage covers CDW collision and theft, the only thing I cant find under these two is if the rental vehicle has to be in the shop( loss of use?) do all of you that have rented cars down there taken the extra insurance for 25 dollars a day or is my coverage going to be enough?? this is kind of confusing, I think my agent is getting sock of me...thanks

Posted : November 14, 2012 11:01 am
Posts: 3316
Famed Member

It sounds as though you have ample coverage. If the rental vehicle by some happenstance ends up not being useable (never even heard of that happening!) the rental car agency will provide you with a replacement.

Posted : November 14, 2012 11:04 am
Posts: 909
Prominent Member


If you have the additional CDW insurance from AMEX (either $19.95 or $24.95), then according to AMEX you're covered for up to $75,000.

The AMEX insurance coverage is a one time payment (either $19.95 or $24.95, depending when you signed up for it) that is good for up to, I believe, 42 days of continuous rental.

Note: You must be signed up for the AMEX plan prior to your trip.

We use it all the time when in STT. We usually rent for 3 months and Hertz bills us each month, thereby re-setting the AMEX CDW insurance we're never over 31 days during a rental period.


Posted : November 14, 2012 2:28 pm
Posts: 792
Prominent Member

If your car becomes inoperable thru no fault of your own, most agencies will replace it with another vehicle during your rental period.
Ask agency what their policies are.

Posted : November 15, 2012 1:12 pm
Posts: 140
Estimable Member

Alana33 wrote:
If your car becomes inoperable thru no fault of your own, most agencies will replace it with another vehicle during your rental period.
Ask agency what their policies are.

I think several of you are missing the point of the OP's question about "loss of use". When a vehicle is damaged the renter may be responsible for broken parts, but also be responsible for the loss of revenue while the vehicle is out of commission while being repaired. Which in our "Soon Come" enviroment can be signicantly more than the repair cost.

Rocky Dock
Water Island

Posted : November 15, 2012 3:19 pm
Posts: 295
Reputable Member

The "loss of Use" issue is tricky. I have the AMEX coverage. Once you sign up, it's automatic. Amex has come to the rescue 2X for me. But I don't think they cover loss of use.... at $90 @day this adds up quick.

Posted : November 15, 2012 4:52 pm
Posts: 22
Eminent Member
Topic starter

Yes, that is the part I was worried about is if the car had to go in the shop for any reaseon, we would be responsible for that amount, I believe I have everything else covered, maybe I am just stressing too much. I guess i will stick with my current car coverage and the extra Amex coverage and decline any that is offered at time of rental. thanks to evryone for posting!!

Posted : November 19, 2012 1:27 pm

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