Author Topic: Rental car - Liability in CA  (Read 1640 times)

Offline jewdkoff

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2013
  • Posts: 399
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Rental car - Liability in CA
« on: June 03, 2016, 02:35:16 PM »
Hi everyone,

I have a two week rental coming up (from SIXT) and am trying to figure out what to do with liability insurance. Per this article https://www.tripadvisor.com/Travel-g28926-c196885/California:United-States:Car.Rental.Insurance.Requirements.html CA is an exception in that rental car companies are not required to cover the minimum liability insurance (compared to other states where they are). In that case, what does everyone do for liability in CA? I plan on doing AMEX premium CDP for piece of mind at $1 a day but am not sure what to do with liability.

Thanks!

Offline MeirS

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2013
  • Posts: 2344
  • Total likes: 75
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Rental car - Liability in CA
« Reply #1 on: June 03, 2016, 05:04:14 PM »
Hi everyone,

I have a two week rental coming up (from SIXT) and am trying to figure out what to do with liability insurance. Per this article https://www.tripadvisor.com/Travel-g28926-c196885/California:United-States:Car.Rental.Insurance.Requirements.html CA is an exception in that rental car companies are not required to cover the minimum liability insurance (compared to other states where they are). In that case, what does everyone do for liability in CA? I plan on doing AMEX premium CDP for piece of mind at $1 a day but am not sure what to do with liability.

Thanks!
Forget CA. I think most responsible people who don't have car insurance policy's pay for liability and don't really bother with state minimums and DNR lists in any state.
It may be a matter if opinion though and this is my opinion.

Offline sruly

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Feb 2011
  • Posts: 1987
  • Total likes: 43
  • DansDeals.com Hat Tips 5
    • View Profile
Re: Rental car - Liability in CA
« Reply #2 on: June 03, 2016, 07:35:08 PM »
Forget CA. I think most responsible people who don't have car insurance policy's pay for liability and don't really bother with state minimums and DNR lists in any state.
It may be a matter if opinion though and this is my opinion.
CA is the only place I ever paid for liability insurance.

Offline jewdkoff

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2013
  • Posts: 399
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #3 on: June 05, 2016, 02:00:59 AM »
CA is the only place I ever paid for liability insurance.
Do you buy from the companies at $10+ a day or is there a better way to do it?

Offline Jimgotkp

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2015
  • Posts: 126
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #4 on: June 05, 2016, 02:04:50 AM »
Doesn't USAA cover primary liability?

Offline teetle

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2015
  • Posts: 288
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #5 on: June 05, 2016, 08:48:42 AM »
Hi everyone,

I have a two week rental coming up (from SIXT) and am trying to figure out what to do with liability insurance. Per this article https://www.tripadvisor.com/Travel-g28926-c196885/California:United-States:Car.Rental.Insurance.Requirements.html CA is an exception in that rental car companies are not required to cover the minimum liability insurance (compared to other states where they are). In that case, what does everyone do for liability in CA? I plan on doing AMEX premium CDP for piece of mind at $1 a day but am not sure what to do with liability.

Thanks!
I don't know for the whole canada but in Québec all liability is covered by the government, I never paid for liability in Québec.

Offline Josef.koney

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1832
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #6 on: June 05, 2016, 10:30:11 AM »
Doesn't USAA cover primary liability?
Only if u use their corprate... And actually have a product with them

Offline Newcc

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2012
  • Posts: 386
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Brooklyn, NY
Re: Rental car - Liability in CA
« Reply #7 on: June 05, 2016, 11:35:44 AM »


CA is the only place I ever paid for liability insurance.
The states min don't cover much and recently thru keep going down. If you get in to an accident and total another car the min that the state cover won't  cover moat of the damages.

If you have regular car insurance many policies cover your rentals as well, although some still pay for the insurance so of something happens it doesn't effect their regular policy.

Offline Newcc

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2012
  • Posts: 386
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Brooklyn, NY
Re: Rental car - Liability in CA
« Reply #8 on: June 05, 2016, 11:36:12 AM »
I don't know for the whole canada but in Québec all liability is covered by the government, I never paid for liability in Québec.
You need a quebec drivers license.

Offline CS1

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2014
  • Posts: 3657
  • Total likes: 44
  • DansDeals.com Hat Tips 1
    • View Profile
    • California Gourmet Premium Chocolate
  • Location: United States
  • Programs: DDSLA, DDSCLE, MarriottSPGPlat Feb2020
Re: Rental car - Liability in CA
« Reply #9 on: June 05, 2016, 11:38:45 AM »
CA is the only place I ever paid for liability insurance.

Doesn't the Amex and Chase credit cards cover liability on rentals?
(Or your own personal auto ins from home covers any gap?)
NEW $16.99 price for 3-pk on Amazon Prime: http://bit.ly/3pkFreeShippingBelgianChocolateChips

Offline MeirS

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2013
  • Posts: 2344
  • Total likes: 75
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Rental car - Liability in CA
« Reply #10 on: June 05, 2016, 12:26:23 PM »
Doesn't the Amex and Chase credit cards cover liability on rentals?
(Or your own personal auto ins from home covers any gap?)
Nope

Offline Jimgotkp

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2015
  • Posts: 126
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #11 on: June 05, 2016, 01:31:52 PM »
Only if u use their corprate... And actually have a product with them
Does their checking account count?

Offline Josef.koney

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1832
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #12 on: June 05, 2016, 01:36:28 PM »
Does their checking account count?
I'm told yes

Offline Jimgotkp

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2015
  • Posts: 126
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #13 on: June 05, 2016, 01:46:28 PM »

Offline motec bb

  • Dansdeals Gold Elite
  • ***
  • Join Date: Aug 2015
  • Posts: 181
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Rental car - Liability in CA
« Reply #14 on: June 07, 2016, 09:28:49 PM »
I'm told yes
Is there a way I can confirm that 100 percent? I rent a lot and have a checking account with USAA .