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In case you wondered what happens if you have an accident in a rental car and declined everything.

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In early November I had an accident in a rental car that was my fault. Well the fault of another driver who cut me off while decelerating, but he or she was not in the accident.

Following the instructions with my VISA card, I had declined all additional coverage. I normally drive a company car, so I have no personal auto insurance to fall back on.

Down side: Following the accident, Budget Rental lied to me and played games turning a bad experience into a nightmare.

Up side: Visa services called yesterday and they have reached an agreement on a number with Budget, and are issuing a check resolving the liability. I am probably better off not having had insurance of my own (one less company involved), but it was scarry at first.


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