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In Colorado, Is CDW/LDW and Liability coverage Mandatory for car rentals?

post #1 of 13
Thread Starter 

Hola!  Last year in Utah we were OBLIGATED to pay for about $600 insurance claiming it was the law....  Is this the case in CO?  

 

Thank you.

post #2 of 13
I think you need to post what location of what rental car agency gave you that one. I wouldn't believe it for a second. Unless you don't already have ANY car insurance? Most states require some kind of insurance, especially for liability. Utah law

I have had significant pressure to purchase insurance at Denver airport. This is in spite of coverage provided by both my credit card and my own car insurance. I understand that if you don't purchase insurance, they'll hit you up for administrative fees and loss of use of the car, and it could be considerable. So I'm usually a nervous wreck the whole time I am renting a car unless I've purchased trip insurance from a third party which includes coverage.
Edited by sibhusky - 8/24/14 at 8:23am
post #3 of 13
Thread Starter 

SLC Airport, Advantage IIRC.

 

So I'm usually a nervous wreck the whole time I am renting a car unless I've purchased trip insurance from a third party which includes coverage.

 

Which company?    Tks.

 

 

BTW, just put a deposit down for a $590 rental with Dollar for 15 days which includes CDW, Theft, 3d Party and SLI, via VIP car rental.  Same car directly from Dollar w/o insurance over $800!!

post #4 of 13
Thread Starter 

It was this company   rc-logo.png?tpref=2014_7_24_15_45_2_669

post #5 of 13
Every time I rent from one of the cheap places (NOT National, Avis, Hertz), the agents are extremely pushy. It's actually caused me to stop renting from Thrifty, Dollar, and Budget. A number of times I flew to Colorado because my mother (now deceased) was "not going to make it" (she did a Lazarus six times...), told them this at the rental counter when they asked why I was there, and they must have decided I was under such stress that they would add to it by fighting about insurance. This was in spite of having provided policy numbers, etc.

As far third party trip insurance, I've used Travel Insured, but I note that they have a different underwriter than the last time I used it. And it wasn't in the US, which is, of course, why I needed it. They have renamed their plans as well.
post #6 of 13

I've  bought trip insurance twice through insuremytrip.com. It lets you compare a dozen or so quotes and coverages from different providers. 

 

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post #7 of 13
Thread Starter 

Thanky!

post #8 of 13

Aren't you located outside the US? That may be why some companies are hesitant to accept your insurance. Just a thought- I don't know for sure.

post #9 of 13
Quote:
Every time I rent from one of the cheap places (NOT National, Avis, Hertz), the agents are extremely pushy. It's actually caused me to stop renting from Thrifty, Dollar, and Budget.

This February the Dollar counter in Spokane claimed the insurance was required to take the car into Canada.  That night I called Dollar's corporate 800 number and found that was untrue. 

 

The charge is still under dispute via Amex.  I am a very heavy user of that credit card and I have a decade+ of car rental history with me consistently refusing the insurance. 

post #10 of 13
Thread Starter 

Only use cc insurance when accepted.   

 

Highly suggest searching at this site, almost half what regulars quoted   rc-logo.png?tpref=2014_7_24_15_45_2_669

post #11 of 13

I always bring a copy of my car insurance that explicitly states what my coverage is.  I once got the whole story of paying for "loss of use", but it turns out I was covered for it.  I'm also covered by my cc as well.

post #12 of 13

If you rent from an agency that is marketted towards business (hertz, national, avis), rather than their leisure or insurance subsidiaries; and if you sign up and register with them; then you get the minimum amount of hassle from the agent. You can get the arrive-and-drive and minimize your need to actually talk with a person.  You're an experienced travller, and time is money and can't be bothered with this nonsense.

On the flip side, can be more expensive.

post #13 of 13

Remember though that there is a major difference dependent on whether you have a US vehicle insurance policy or not.  Most US insurance policies provide liability coverage for rental cars.  Non US policies do NOT normally provide this.  Most states make liability coverage a requirement (and rightly so since you don't want to be taken out by a foreign driver only to find they have no liability insurance and they have left the country) so the rental car company will require it.  

 

While a lot of US credit cards provide CDW coverage, it is not always the case for overseas credit cards.  So, the rental car company will normally require proof that you have coverage and may often require an additional deposit/credit card charge up front towards this.    Also note that while some CCs provide Primary CDW, others may only provide secondary CDW.  If your card provides Primary CDW you will often find if you read the fine print that if you take the rental car company CDW it negates the CC coverage.  Typically for those of us who travel frequently on business the rental car companies have all our details including insurance on file which means you just jump in the car and leave

 

It was always interesting when i lived in the UK that a lot of package holidays to the US included a "free" rental car.  Then when people landed they found that they were out another $4-500 for insurance on the "free" rental.

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EpicSki › The Barking Bear Forums › On the Snow (Skiing Forums) › General Skiing Discussion › In Colorado, Is CDW/LDW and Liability coverage Mandatory for car rentals?