Car Rentals » Insurance & Registration » why do i need a debit/credit card to rent car if insurance is paying?
why do i need a debit/credit card to rent car if insurance is paying?
dgmotley asked:
i was in a car accident and nationwide allows me to rent a car.So why should i have to use my own money to rent it??i dont have money for enterprise or whomever to hold money from my acct. Even though they will reimburse me when my car gets fixed, i need all my money now to pay other bills.
Diet Tea
i was in a car accident and nationwide allows me to rent a car.So why should i have to use my own money to rent it??i dont have money for enterprise or whomever to hold money from my acct. Even though they will reimburse me when my car gets fixed, i need all my money now to pay other bills.
Diet Tea
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Filed under: Insurance & Registration · Tags: Acct, Car Accident, Enterprise
3 Responses to "why do i need a debit/credit card to rent car if insurance is paying?"
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You need a credit card to help confirm identity, it’s the way car rental companies are set up. You also pay for petrol, full tank which the insurance probably won’t pay.
Moan to the insurance company and see if they can sort it out for you (plead poverty)
It depends upon the terms of your policy. Some will provide a vehicle FOC and others require you to pay and claim back. The car hire company will require a deposit from you to cover for fuel and any excess charges that apply. Typically your insurance is transferred to the hire car by the insurance company whilst yours is being repaired. If you have say £100 excess then the hire company may require that as a deposit.
Normally they only use your credit card (or debit card with at least $200 on it) to hold as a deposit, in case you trash the car or turn it back in with no gas. Think about it- its not your car, you didn’t pay for it, and you don’t give them any security- what interest do you have in refilling the gas tank or in not returning the car with flat tires or cigarette burns or scratches and dents?
They normally don’t charge your debit card, just hold it for $200 as a deposit (which you get back).
Keep in mind this answer is geared towards the united states. I’ve rented many cars here. I’ve never rented cars in the UK, where some of the other answers seemed geared towards.