By Karen Dancheck (Experienced BonaireTalker - Post #102) on Saturday, April 4, 2009 - 8:18 am: |
Hi,
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By *Freddie* (BonaireTalk Deity - Post #11757) on Saturday, April 4, 2009 - 8:26 am: |
I take the full coverage for our two week stay Karen, I rent with Budget..I would rather be safe than sorry.... their trucks are newer than most on island.. {next time I go I must make sure that the tag on the license plate is up to date.. they are ticketing for out dated tags..}
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By Dan Jolly (Extraordinary BonaireTalker - Post #1169) on Saturday, April 4, 2009 - 8:30 am: |
I always take the full coverage. Rather safe than sorry as Freddie says. Although expensive it is far cheaper than dealing with any issues. Even if it is $100+ more per week I view it as the best value IF an incident were to happen.
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By Karen Dancheck (Experienced BonaireTalker - Post #104) on Saturday, April 4, 2009 - 8:45 am: |
Whew! There ARE BT'ers who take the full insurance :-) I thought I was the only one. he he Thanks Freddie and Dan
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By DiveWarm (BonaireTalker - Post #76) on Saturday, April 4, 2009 - 9:24 am: |
We take full insurance too. I know someone who was in Ireland and parked their rental in a spot where the tide came in and flooded it. They hadn't bought the insurance, their credit card company only covered domestic rentals, and they wound up owing almost $50,000 (BMW!) in lost time for the car and damages.
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By Ron Gould*** (Extraordinary BonaireTalker - Post #1903) on Saturday, April 4, 2009 - 10:41 am: |
I had a claim with AMEX last year. Someone hit our truck during the night, in the back, $560 for the repairs. Made a police report, called Poppy at Telerine Car Rental, and the repairs were charges to my credit card. When we went home I sent the information to AMEX, and they told me to contest the repair money. Poppy had to file a claim to AMEX and got paid... No deductable, no hassle, no problems... Ron
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By Carole B. (Supreme BonaireTalker - Post #7078) on Saturday, April 4, 2009 - 12:49 pm: |
Hi, Karen, we get the full coverage with AB each trip, too. I can relax much better on vacation not having to worry about "what if"...I'd rather pay the money for hte coverage than pay the money later, if applicable, or worry about my CC and what it will or won't cover.
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By ABCdivers (New BonaireTalk Poster - Post #7) on Saturday, April 4, 2009 - 1:14 pm: |
We got the full coverage too.
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By Sparty (Experienced BonaireTalker - Post #232) on Saturday, April 4, 2009 - 3:29 pm: |
My experience with Master Card was very good when our "van" was rear ended in a hit and run several years ago. I called Master Card they told me what paper work I needed and the forms were waiting for me when I returned home. I filled them out, attached the estimate and police report(in Dutch), and had a check back in two weeks.
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By Steve Johnson (BonaireTalker - Post #25) on Sunday, April 5, 2009 - 1:24 am: |
We used Budget in March and I denied the insurance since I was covered on my AMEX card. When turning the truck in at the end of 2 weeks I realized that they only ran an authorization on the Amex card and nothing was really charged until we turned the truck in so I am not really sure if I was covered or not. Luckily we did not have any damage to the rental. One warning about Budget is if your flight arrives after 11pm their office is closed and you may need to hitch a ride.
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By Dr. Director (Experienced BonaireTalker - Post #487) on Sunday, April 5, 2009 - 9:00 am: |
We have used AMEX insurance with AB for the last several years. Their policy has been to run an authorization on the AMEX card for about $800 (I think it might have been higher this past October) to cover potential losses as well as a second authorization for the amount of the rental (I think they charged the full payment when we picked up the truck this past October, but we were having the truck for 4 weeks). AMEX covers you once the rental authorization or rental charge goes through. In our case the AMEX charge hit shortly after we picked up the truck.
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By Sparty (Experienced BonaireTalker - Post #233) on Sunday, April 5, 2009 - 10:06 am: |
If you are worried about AMEX coverage, there are a couple things you can do. Once, because I was afraid the coverage might not trigger because our rental was being paid thru a resort, I called AMEX before we arrived on Bonaire and told them of my concern and they manually charged me for the insurance. I was told that if I got double billed, just to call and they would reverse one of the charges. The second way to assure yourself is to access your account on line after your rental and verify that you card has been charged for the insurance.
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By Karen Dancheck (Experienced BonaireTalker - Post #107) on Sunday, April 5, 2009 - 10:22 am: |
Sparty, I can't remember...when does my CC actually get charged, when I make the reservation or when I pick up the truck?
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By Lizard0924 (Experienced BonaireTalker - Post #325) on Sunday, April 5, 2009 - 11:00 am: |
Karen - we just used AB last week and declined the insurance. They charged my Amex the $75 deposit when I made the reservation. The balance of the rental was charged the morning we arrived. They also ran thru an authorization for $1,500 (to cover potential damages, I guess) on the morning we picked up the truck. The authorization automatically expires in 7 business days, according to the rental person.
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By Dr. Director (Experienced BonaireTalker - Post #488) on Sunday, April 5, 2009 - 2:37 pm: |
One thing we noticed with AB was when they charged us the $75 deposit when we made our reservation, AMEX charged their fee for the insurance. AMEX then reversed that fee without any hassle when I called them to say the $75 charge from AB was our deposit. AMEX made the normal charge for their insurance when I picked up the truck.
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By Tribs - aka Jeanine! (Supreme BonaireTalker - Post #8135) on Sunday, April 5, 2009 - 4:09 pm: |
Karen....AB changed while I was on island last year. They used to charge at the end of the trip for the rental. They now charge when you pick up the truck. I don't know why they changed their policy, but I sure can speculate. LOL!
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By Sparty (Experienced BonaireTalker - Post #234) on Monday, April 6, 2009 - 1:42 am: |
Our card was also charged the day we picked up the vehicle.
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By Ronald Moore (New BonaireTalk Poster - Post #3) on Thursday, April 9, 2009 - 5:18 pm: |
I'm confused on the insurance for rental trucks. I have Amex and I know that covers the CDW, but I also know it doesn't cover liability for third-party claims. In trying to research liability requirements on Bonaire I keep running accross the phrase "as required by law" is liability insurance automatically a part of the rental cost? Do you have to pay for liability in addition to CDW? If so, any idea how much? Or am I better off just getting personal umbrella insurance? Appreciate any help
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By Ronald Moore (New BonaireTalk Poster - Post #4) on Thursday, April 9, 2009 - 6:24 pm: |
I'm confused on the insurance for rental trucks. I have Amex and I know that covers the CDW, but I also know it doesn't cover liability for third-party claims. In trying to research liability requirements on Bonaire I keep running accross the phrase "as required by law" is liability insurance automatically a part of the rental cost? Do you have to pay for liability in addition to CDW? If so, any idea how much? Or am I better off just getting personal umbrella insurance? Appreciate any help
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By Sparty (Experienced BonaireTalker - Post #235) on Thursday, April 9, 2009 - 9:22 pm: |
My understanding is that the rental companies have liability insurance but I do not know for sure if that covers the renter or just the rental company. I doubt that it does. I am not aware of any rental company that offers additional liability coverage to renters. If you are out of the U.S., I believe it is a very good idea to have an umbrella policy.
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By Ronald Moore (New BonaireTalk Poster - Post #5) on Wednesday, April 15, 2009 - 5:18 pm: |
After doing some homework, here's what I've found re insurance. My Amex card covers CDW for pickups, but not liability. My USAA Auto policy covers liability for any car I drive worldwide, since USAA has an AMEX card, if I use the USAA Amex card we're covered for both CDW and liability. My problem is that altho I've spent 14+ years overseas, it was all either as military of gov employee under a status of forces agreement or diplomatic status, so never had these issues, live and learn...only 2 months to go
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By Vince DePietro-www.bonairebeachcondo.com (Extraordinary BonaireTalker - Post #2126) on Wednesday, April 15, 2009 - 5:58 pm: |
Ron.. I may be wrong here but between you & me I've never seen any standard ISO approved auto policy issued by any carrier in the US which covers "worldwide" liability exposure.
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By Ronald Moore (New BonaireTalk Poster - Post #6) on Thursday, April 16, 2009 - 7:06 pm: |
Thanks Vince, You must be an attorney. You're right, more I read/asked/dug, the Umbrellas I looked at only augmented local insurance, the credit card CDW coverages didn't cover 3rd party liability claims and the auto policy only really covers US, Canada and 75 miles into Mexico...I can only get country coverage if I'm there with Military or Government and if that country is on the "list". Guess i'll just pay poppy's CDW and get the liability coverage it provides. I gotta get out more....
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By Vince DePietro-www.bonairebeachcondo.com (Extraordinary BonaireTalker - Post #2128) on Friday, April 17, 2009 - 5:55 am: |
You're most welcome Ron. Having been in the litigation end of the insurance claims biz more then 30 years I know a couple of things about it.
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By Alaska Diver (New BonaireTalk Poster - Post #3) on Wednesday, May 13, 2009 - 1:45 pm: |
I am going through Caradonna for everything. It sounds like I need to have them take off the truck rental and pay for that on Bonaire if I want the insurance to kick in since I am using a MC to pay for the package. Is that right?
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