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Insurance for car rental if you don't own a car

Missouri
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214 posts
31 reviews
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Insurance for car rental if you don't own a car

My 29 year old daughter lives in NYC and has a driver's license but no auto insurance since she does not drive. She is being asked by work to rent a car for 6 weeks in upstate New York but the car insurance companies won't rent her a car without insurance even if she were to buy it from them. What alternative does she have? I am going to talk to my insurance company but she is not a dependent so adding her on may not be easy.

western WA
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14 reviews
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1. Re: Insurance for car rental if you don't own a car

The company she works for should pay the daily insurance rate. Very few New Yorkers have cars - part of their cost of doing business.

American Express has an insurance plan that's very cheap but I dont know how it dovetails with your own policy.

You can only be insured to drive a car on which you carry title (or your parent carries, if you live at home).

Call other car rental agencies.

Park City, Utah
Destination Expert
for Utah, Winter Sports
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2. Re: Insurance for car rental if you don't own a car

How does the car rental company even know she doesn't own a car or have insurance? That shouldn't be a consideration. It's not her responsibility to insure the vehicle, it's her company's responsibility and it should simply pay for the coverages available through the car rental company.

Missouri
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214 posts
31 reviews
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3. Re: Insurance for car rental if you don't own a car

The company considers her a private contractor and responsible for her own car. She was told by the rental agency she needs proof of insurance even if she buys theirs..

Missouri
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214 posts
31 reviews
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4. Re: Insurance for car rental if you don't own a car

The company considers her a private contractor and responsible for her own car. She was told by the rental agency she needs proof of insurance even if she buys theirs..

Missouri
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214 posts
31 reviews
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5. Re: Insurance for car rental if you don't own a car

The company considers her a private contractor and responsible for her own car. She was told by the rental agency she needs proof of insurance even if she buys theirs..

Edited: 27 May 2013, 04:33
Oregon Coast
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for Crescent City, Oregon Coast, Oregon, Redwood National Park
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6. Re: Insurance for car rental if you don't own a car

Has she (or you) checked all the major car rental companies? This seems rather odd that they refuse to rent to her simply because she does not own a car. Some people's own car insurance policy will cover rentals, but since she doesn't have that, I don't understand why she simply can't buy the car rental company's coverage? When you rent a car, you pay extra for their full insurance - usually something around $10 per day.

western WA
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8,997 posts
14 reviews
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7. Re: Insurance for car rental if you don't own a car

I hope she is getting per diem to cover her costs.

$10 a day is on the low side for comprehensive insurance.

Has she tried Costco? Or a long term rental through a local Enterprise office?

Park City, Utah
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for Utah, Winter Sports
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17,220 posts
395 reviews
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8. Re: Insurance for car rental if you don't own a car

I've rented hundreds and hundreds of cars in my business and personal travel over the years. Not one time has a rental car agency asked about my own insurance or whether or not I owned a vehicle. The other suggestion I would make is to split the rental into two. A six week rental will raise red flags. Do a pair of three-week rentals, for example.

western WA
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8,997 posts
14 reviews
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9. Re: Insurance for car rental if you don't own a car

Make sure she keeps up on her expense reports or this could get expensive very fast.

Missouri
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214 posts
31 reviews
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10. Re: Insurance for car rental if you don't own a car

Collision insurance is no problem; it is the liability insurance that she is having trouble with.