Used Cars For Sale In Rapid City Sd, How To Handle Getting Ripped Off On Auto Insurance When Traveling Overseas

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Used Cars For Sale In Rapid City Sd – We are all at the car rental counter at the airport, and representatives suggest rental insurance protection. If you already have a policy for your own car, you don’t need additional insurance. Ditto if you pay by credit card. But what do you do when you travel abroad? Rick Kahler, founder of Kahler Financial Group, in Rapid City, S.D., has a memorial story to tell about it:

Larry Light: So how do you handle rental abroad?

Rick Kahler: When traveling in the US, I rarely buy insurance offered by car rental companies. By paying with a major credit card, you will usually have all the insurance coverage you need and save $ 20 to $ 50 per day at unnecessary costs. I suggest calling the card company first to verify your coverage limit.

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This is not fully applicable when renting a car internationally. I recommend calling your credit card company before each trip to specifically check that they will cover the car in the country you are visiting. Adding additional car insurance coverage to a travel insurance policy is another economical choice. It’s okay to have duplicate insurance. Enough verification that at least one policy will be accepted as secondary.

Light: What can go wrong on the boat?

Kahler: Even after taking these precautions, everything can be messed up. They did it for me on a family vacation to Ireland this summer.

As usual, I reject all insurance and use my MasterCard World Elite card. I verified with MasterCard that I was blanketed in Ireland for vehicles at the manufacturer’s suggested retail price, or MSRP, up to $ 50,000. The MSRP from Nissan Rogue I that was leased was $ 26,000 to $ 34,000, far below that limit. Because I’m anxious, I also bought a $ 40,000 vehicle policy separate from my travel insurance company.

When we arrived in Dublin, the woman at Hertz’s counter asked why I didn’t want their insurance. When I told him that my credit card would cover it, he said the American credit card did not apply to cars in Ireland and he wanted proof. After a lot of hassles, I have a credit card company email proof that coverage was extended to Ireland for $ 50,000.

He then told me that $ 50,000 was not enough; I need $ 65,000. I argued about this and finally said it didn’t matter because I had an additional $ 40,000 of primary or secondary coverage with my travel insurance company which would more than cover up the problem.

He doesn’t move. He told me that I would pay him an additional $ 584 for their insurance, or I had to go somewhere else to rent a car and lose the $ 424 that I had paid to Hertz. He briefly added, “Good luck, because this weekend is a bank holiday and everyone is sold out.”

Light: So what are you doing?

Kahler: All this takes two hours at the end of a long day of travel. I have been up for 24 hours. My wife and two children were also tired and hungry. While I knew I had fulfilled the terms of the agreement and that I was being blackmailed, my mind lost my initial $ 424, plus returned to the terminal to start hunting that might be in vain for a different car, too much. I agreed to pay an additional $ 584.

Light: Can you plead that?

Kahler: As soon as we returned to the US, I filed a dispute with my credit card company both the initial car rental fee of $ 424 and the insurance fee of $ 584. My basis was that Hertz violated their contract, which only required me to accept full financial responsibility or have verified that I have insurance that will cover losses. They broke the contact by demanding that I prove to have coverage that exceeded the value of the car and by refusing to accept the evidence when I produced it. I finally got my money back after I complained. But that doesn’t make up for the time and stress they make.

The lesson here? Faced with situations with limited choices, you may be forced to give up on what is basically extortion. If that happens, document everything, then file an appropriate complaint and refute the cost. And if you ever rent a car in Dublin, be careful.

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