2015 美西租車保險問題


搜尋到的文章資訊有點歷史了, 想問問看新一點的經驗. 感謝大家了

關於租車業者, 我自己 n 年前租過很多次 Budget 的車, 都沒出問題, 只是近年來它的價格相對不便宜了
在仲介網站列出的這些選擇 SIXT, FOX, Alamo, Dollar 都可以放心選下去嗎?
還是有甚麼地雷要小心避開?


另外就是保險

SLI = SUPPLEMENTAL LIABILITY INSURANCE (第三方任意險??)
這是規定必要的嗎? 有沒有買過的保額是多少? 當時保費是多少?


PAI = PERSONAL ACCIDENT INSURANCE
行程天數等於租車天數, 網頁報價 USD& 44/trip, 買這個是不是比買國內旅行平安保險方便? 不需要煩惱回國理賠過程?
國內旅行平安險與 "BODILY INJURIES TO OCCUPANTS OF THE RENTAL VEHICLE" 有重疊嗎?


PDW = PARTIAL DAMAGE WAIVER
如果買了 LDW+TP 是不是就不需要 PDW 了?


LDW = LOSS DAMAGE WAIVER
LDW AND TP = LOSS DAMAGE WAIVER /THEFT PROTECTION
這種保險與 rentalcars.com 網頁 Collision Damage Waiver 一樣嗎?
rentalcars.com 網頁上 Collision Damage Waiver = Your rental includes CDW and TP with zero excess.


GDW = GLASS DAMAGE WAIVER
如果買了 LDW, 應該有包含 GDW 了吧?

感謝熱情網友費神回覆.



以下擷取自租車網頁的必要閱讀注意事項內容 (猜測有 typo)
--- SUPPLEMENTAL LIABILITY INSURANCE ---SLI IS LIMITED TO THE MINIMUM FINCANCIAL RESPONSIBILITY REQUIRED BY STATE LAW. IF PURCHASED SLI PROTECTS YOU AGAINST CLAIMS MADE BY A THIRD PARTY FOR -BODILY INJURY- AND/OR PROPERTY DAMAGE SUSTAINED AS A RESULT OF AN ACCIDENT WHILE YOU ARE OPERATING A RENTAL CAR. THIS COVERAGE SUPPLIES RENTER WITH A THIRD PARTY LIABILITY PROTECTION UP TO A LIMIT OF USD 1.000.000.- PER ACCIDENT. SLI DOES NOT COVER ALL SITUATIONS AND RISKS THAT MAY ARISE WHILE OPERATING A RENTAL VEHICLE. THERE MAY BE EXCLUSIONS FOR UNAUTHORIZED OR INTOXICATED DRIVERS NO FIRST PARTY UNINSURED MOTORIST COVERAGE NO COVERAGE FOR CERTAIN PASSENGERS IN THE VEHILCE AND OTHER EXCLUSIONS. FOR FURTHER DETAILS SEE THE JACKET OF OUR RENTAL AGREEMENT AND FIND A COMPLETE COPY OF THE SUPPLEMENTAL --- PARTIAL DAMAGE WAIVER --- PDW REMOVES THE ENTERS RESPONSIBILITY FOR THE FIRST USD 500.- OF DAMAGE TO/OR LOSS OF THE VEHICLE. THE CUSTOMER WILL BE HELD LIABLE FOR ANY DAMAGE OR LOSS OF THE VEHICLE. THE CUSTOMER WILL BE HELD LIABLE FOR ANY DAMAGE OR LOSS EXCEEDING THE AMOUNT OF USD 500.- FOR FURTHER DETAILS PLEASE SEE THE JACKET OF THE RENTAL AGREEMENT. PDW IS NOT AVAILABLE IN ALL STATES. --- LOSS DAMAGE WAIVER /THEFT PROTECTION --- LDW AND TP REMOVES THE DRIVERS RESPONSIBILITY TO A PART VEHICLE IN CASE OF DAMAGE OR THEFT. IF LDW AND TP ARE NOT ACCEPTED CUSTOMER WILL BE HELD LIABLE FOR THE FULL VALUE OF THE VEHICE. IF LDW AND TP ARE ACCEPTED CUSTOMER IS ONLY RESPONSIBLE FOR THE FOLLOWING AMOUNTS - USD 0.- FOR ALL VEHICLES USD 500.- FOR CARGO VANS EXCEPT FOR CHARLOTTE TAMPA MYRTLE BEACH USD 300.- FOR ALL VEHICLES FOR FURTHER DETAILS PLEASE SEE THE JACKET OF THE RENTAL AGREEMENT. --- LDW INCLUDING TP - MINIMUM EXCESS BF --- FOR CHARLOTTE TAMPA MYRTLE BEACH THE RENTER CAN CHOOSE BF TO ELIMINATE THE NWR. IF BF INSURANCE IS ACCEPTED CUSTOMER IS ONLY RESPONSIBLE FOR THE FOLLOWING AMOUNT - USD 0.- --- GLASS DAMAGE WAIVER --- GDW WAIVES THE DRIVERS RESPONSIBILITY IN THE EVENT OF DAMAGES ON WINDSHIELD SIDE WINDOWS REAR-WINDOW OR MIRROR GLASS. IF GDW IS ACCEPTED CUSTOMER IS ONLY RESPONSIBLE FOR THE FOLLOWING AMOUNTS - USD 0.- --- PERSONAL ACCIDENT INSURANCE --- PAI COVERS BODILY INJURIES TO OCCUPANTS OF THE RENTAL VEHICLE. PAI DOES NOT COVER ALL RISKS. THERE MAY BE EXCLUSIONS. FOR FURTHER INFORMATION SEE THE JACKET OF OUT RENTAL AGREEMENT AND FIND A COMPLETE COPY OF THE PAI POLICY AVAILABLE ON YOUR REVIEW UPON REQUEST.

2015-04-16 18:47 發佈
文章關鍵字 保險問題 2015
不知道租車公司為什麼把保險搞得這麼複雜. 說穿了就是三樣東西要保.

1. 車子 (不含車子上的財務)
2. 車上的人
3. 租車人的行為

車子, 建議你保全險. 信用卡公司大部分都有保這一項. 去之前應該先問清楚. 如果有 cover, 就沒有必要再跟租車公司買. 唯一不同的是, 信用卡公司的 coverage 是事後補退. 自己必須處理所有的 paper work, 而且要自己先付賠償給租車公司. 如果直接跟租車公司買, 所有的 paper work 及賠償都可全免. 基本上你是兩手一拍就走人. 可以省很多麻煩.

另外車上的財務是不是有 cover, 也要事先問清楚. 這一項租車公司不會管你. 但信用卡公司可能會 cover.

至於人, 旅行平安保險就夠了. 當然這中間還是有差別. 如果你車上打算帶美國當地的朋友. 那就應該跟租車公司加買. 旅行平安保險只能保你自己.

比較頭痛的是第三責任險. 在美國沒有第三責任險是違法的. 所以這一項一定要買. 很多人到美國旅遊租車以為車子保全險, 所有都包含在內了. 這是很危險的錯誤觀念.

信用卡公司大部分都不 cover 這一項. 事前一定要問清楚. 如果不 cover 就必須跟租車公司另外購買.

至於您列出來那些林林總總的項目可以用一個 full coverage 涵蓋, 不需要分得那麼細.

美國醫療及責任賠償非常昂貴. 花點錢把保險買全, 到時候才能放心的玩. 祝你一路平安.


pdh wrote:
搜尋到的文章資訊有...(恕刪)


懶人包 : 全險保下去,要有的都有!
rentalcars.com 不好+1

無論如何你只要和他租車先預付錢(例如租一個禮拜的車子)

到現場你無論任何原因不能租 他一毛錢都不退

租車網站這種霸王條款等是穩賺不賠 。實際出租車輛公司完全拿不到錢,rentalcars.com也不用付錢給租車公司,消費者付錢一個禮拜的車子費用但卻一天都用不到,也不退錢。

強烈不推薦 rentalcars.com 各位可以看看以下對於該網站評語

http://www.productreview.com.au/p/rentalcars-com.html

就算真的要租,建議去其他網站或者是租車網站直接租。真的一定要透過rentalcars.com租,
就先租一天就好,真賠也只要賠一天。你可以先租一天,當天在透過該網站租後面幾天就可,
這樣就不會一次賠款一個禮拜,幹死了。

我對該公司非常不爽。
內文搜尋
X
評分
評分
複製連結
Mobile01提醒您
您目前瀏覽的是行動版網頁
是否切換到電腦版網頁呢?