Filing insurance claim for rental car -- or not?

  • Sexynripped

    Posts: 46

    Jan 18, 2018 10:23 PM GMT
    I rented a car on vacation in Tennessee last summer and accidentally hit a pole while backing up. Damage totaled $1,200 and I just now got the claim in the mail. So here's my dilemma. I had declined the rental car coverage, but my primary insurance company deductible is $1,000. I had secondary coverage with the Discover card, so Discover won't do anything unless I file a claim with my primary insurance. If you were in the same situation, would you file a claim or pay out of pocket?
  • trvlmscl

    Posts: 190

    Jan 19, 2018 4:57 PM GMT
    Sexynripped saidI rented a car on vacation in Tennessee last summer and accidentally hit a pole while backing up. Damage totaled $1,200 and I just now got the claim in the mail. So here's my dilemma. I had declined the rental car coverage, but my primary insurance company deductible is $1,000. I had secondary coverage with the Discover card, so Discover won't do anything unless I file a claim with my primary insurance. If you were in the same situation, would you file a claim or pay out of pocket?


    I damaged the front bumper of a rental in Dallas a couple years ago. I extended the rental an extra day, and called a mobile auto body truck and paid $250 cash. I never heard anything from Enterprise so it worked icon_smile.gif
  • Posted by a hidden member.
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    Jan 19, 2018 11:40 PM GMT
    Check with your insurance company and see if your payments will go up as a result of filing a claim.

    I was going to file a claim for my fence having blown down during a high wind but a friend (who had worked for an insurance company) cautioned me that my rates might go up if I did so I called them and yep, they would have.
  • Posted by a hidden member.
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    Jan 20, 2018 12:01 AM GMT
    Sexynripped saidI rented a car on vacation in Tennessee last summer and accidentally hit a pole while backing up. Damage totaled $1,200 and I just now got the claim in the mail. So here's my dilemma. I had declined the rental car coverage, but my primary insurance company deductible is $1,000. I had secondary coverage with the Discover card, so Discover won't do anything unless I file a claim with my primary insurance. If you were in the same situation, would you file a claim or pay out of pocket?


    File the claim with your insurance. Pay the deductible and have your Insurance company pay the remaining 200.00. Now, file with the discover claims and have your deposit reimbursed. They are obligated to pay what the primary insurer will not.

    I drop my deductible way low when I travel and rent a car!

    Good Luck