Author Topic: Covering for loss of use - when declining LDW is not an option  (Read 2267 times)

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Covering for loss of use - when declining LDW is not an option
« on: September 26, 2015, 11:38:32 PM »
If I use a CDP for renting that includes LDW (so I cant decline) would the CC still cover for loss of use fees?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline yellowj

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2015
  • Posts: 205
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #1 on: September 27, 2015, 01:37:26 AM »
Rental insurance must be declined in order for any credit card insurance to kick in. Besides if your contract includes the ldw from the rental company, why would they bother with a loss of use bill when they insured the car.

Offline Mendel93

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2014
  • Posts: 106
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #2 on: September 27, 2015, 01:43:31 AM »
I rented a car Hertz in TLV,  paid their insurance they have a policy that the first $450 of damage they charge you,  I had damage they charged $450 to the cc I had cc insurance as well, the cc insurance covered the $450 without any problems

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #3 on: September 27, 2015, 01:53:28 AM »
Rental insurance must be declined in order for any credit card insurance to kick in. Besides if your contract includes the ldw from the rental company, why would they bother with a loss of use bill when they insured the car.
it includes ldw - but officially states that they charge for loss of use nonetheless - kind of like a corporate contract.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #4 on: September 27, 2015, 01:54:02 AM »
I rented a car Hertz in TLV,  paid their insurance they have a policy that the first $450 of damage they charge you,  I had damage they charged $450 to the cc I had cc insurance as well, the cc insurance covered the $450 without any problems
did you state to the credit card that you had accepted the rental coverage?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline sammy n

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2013
  • Posts: 2815
  • Total likes: 21
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #5 on: September 27, 2015, 02:45:38 AM »
I rented a car Hertz in TLV,  paid their insurance they have a policy that the first $450 of damage they charge you,  I had damage they charged $450 to the cc I had cc insurance as well, the cc insurance covered the $450 without any problems
How long was the rental for?

Offline Mendel93

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2014
  • Posts: 106
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #6 on: September 27, 2015, 03:20:49 AM »
A week

Offline Mendel93

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2014
  • Posts: 106
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #7 on: September 27, 2015, 03:25:09 AM »
did you state to the credit card that you had accepted the rental coverage?
They asked for a million documents, I gave them everything,  in the signed policy they clearly could've seen that I accepted the company's insurance
« Last Edit: September 27, 2015, 03:58:26 AM by Mendel93 »

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #8 on: September 27, 2015, 11:44:47 AM »
They asked for a million documents, I gave them everything,  in the signed policy they clearly could've seen that I accepted the company's insurance
May have been a mistake on their part...
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Mendel93

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2014
  • Posts: 106
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #9 on: September 27, 2015, 12:11:02 PM »
May have been a mistake on their part...
I know that originally they ask to decline the rentals insurance, but who says if you don't decline it that they won't cover it?  As long you use their cc, why do you think it as a mistake?

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #10 on: September 27, 2015, 12:15:26 PM »
I know that originally they ask to decline the rentals insurance, but who says if you don't decline it that they won't cover it?  As long you use their cc, why do you think it as a mistake?
Officially you must decline the rental company's coverage.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Mendel93

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2014
  • Posts: 106
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #11 on: September 27, 2015, 12:18:21 PM »
Officially you must decline the rental company's coverage.
I know that,  the question is did anyone else have any experience as me and they declined it because of this reason? My claim went through eclaimsline.com I used the Sapphire card

Offline yellowj

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2015
  • Posts: 205
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #12 on: September 28, 2015, 01:51:14 AM »
it includes ldw - but officially states that they charge for loss of use nonetheless - kind of like a corporate contract.

Never seen that before. Usually some contracts might have a deductible depending on what was negotiated, but nothing about loss of use. Which company is it?

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #13 on: September 29, 2015, 08:58:28 PM »
Never seen that before. Usually some contracts might have a deductible depending on what was negotiated, but nothing about loss of use. Which company is it?
AFAIK any company that has LDW included has a pre negotiated rate for loss of use.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline yellowj

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2015
  • Posts: 205
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #14 on: September 30, 2015, 12:31:20 AM »
Never seen it in any of my rental agreements.

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6091
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Covering for loss of use - when declining LDW is not an option
« Reply #15 on: September 30, 2015, 12:39:17 AM »
Never seen it in any of my rental agreements.
When renting with a CDP that has LDW included? You would not see it on the contract - correct
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle