Rental Car Liability Insurance

Old Jul 24th, 2013, 11:01 AM
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Rental Car Liability Insurance

In regards to the Liability Insurance that is included with the rental cars basic coverage for cars in France (that is required)---Does that Liability Insurance cover the full cost of fixing someone else's vehicle if you have an accident? Could the other person still sue you?
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Old Jul 24th, 2013, 12:11 PM
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no they can't, it is full coverage for other cars you may damage.
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Old Jul 25th, 2013, 06:45 AM
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correct.

However, it doesn't cover passengers in your car.
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Old Jul 25th, 2013, 09:34 AM
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Nor does it cover passengers in the other car! Check with you credit card company regarding coverage when using a CC to pay for the rental. Coverage varies, but is generally very good. Amex offers the best coverage at a reasonable price, free if you are a Platinum Card holder.
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Old Jul 25th, 2013, 12:31 PM
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You don't need to be a platinum card holder. If you have an AmEx card you can buy one-time coverage for around $25, which is a bargain.
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Old Jul 25th, 2013, 12:44 PM
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Credit cards don't cover liability insurance, the coverage is for collision damage and it kicks in AFTER your home insurance coverage is billed first. Amex has a $23-per-rental premium coverage but I think it still just involves collision, not liability.
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Old Jul 25th, 2013, 12:51 PM
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AMEX doesn't cover liability but it does cover personal injuries:

https://www295.americanexpress.com/p...verage/home.do
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Old Jul 25th, 2013, 12:53 PM
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Nor does it cover passengers in the other car!

The included liability does cover passengers in the other car. Not covered are passengers in your car as ira pointed out.

CC coverage is for comp/collision of the rental vehicle not liability. The premium Amex coverage also includes some excess medical for the driver and passengers of the rental vehicle.
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Old Jul 25th, 2013, 01:18 PM
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The liability included in France is "unlimited" so you don't have to worry about that. In France.

If it's a long rental you'll be best signing up for Amex Premium Collision Coverage so that you don't have the hassle of going through your home insurance deductible etc. Or, check on the coverage offered by the credit card that you'll be renting with. Many don't cover rentals of over 15 days (but Amex does), and most are just "secondary" coverage after your regular insurance policy sorts things out. You might check with your regular insurance provider regarding overseas collision coverage.

The "waiver" offered by the car rental company is not insurance, but rather releases you from responsibility regarding collision damage. The waivers are usually pretty expensive unless you are just renting for a day or two. I notice that some of the waivers in Europe are now coming with a "$1000 deductible" however.

Also, when renting in France, you may be dealing with a French-speaking agent and a contract printed in French. If you don't speak and read French, and you've determined that you want to go with Amex coverage or whatever....be sure to check the grand total of your bill which should be noted when you pick up the car. They are known to add on some extras in hope that you won't realize it. You're screwed if you try to contest it later on with your CC company because you signed the contract. If you are declining all the "extras", it is a good idea, when you sign a contract in a foreign language, to write "DECLINE ALL" next to your signature. If you have to fight the bill later on, having this on the receipt can help you state your case regarding fraud.
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