car rental issue

I rented a car from SIXT a month ago. When I picked the car, I checked it, didn't notice anything wrong. So I drove it out of the rental garage. Right after I drove it for a short amount of time like less than hour, I noticed there is a small scratch on the front window (you can only see it from the inside). I called the company immediately and told them this. They directed me to drive it back and switched me to a new car, and told me "don't worry about this." After a month, I received emails saying I am responsible for the damage.

I already called and told them and disputed this. Is there a better way to handle this? I really didn't do anything that cause the damage.

你租车没买保险？我看就10美刀一天， 不贵啊

这是什么租车公司，怎么没有听说过？

信用卡付的dispute就完了，这公司真没听过。

不买租车公司的保险，应该就是用自己车保险，把这事和自己车保险公司说，让他们去和租车公司打交道？

这是欧洲

的租车公司，很烂。经常听说类似的事情。我也租过它家的，检查详细，没有出过问题。

朋友说在这家公司租高端车价格很诱人，但会经常被碰瓷，过后通常会收到不小的账单

在国外租车，那是一定要把保险买足！我是保险买到就算车报废了，也能让我上飞机回美国。

I got full coverage from my own company

So I didn't buy insurance through the rental company.

欧洲最大的租車公司之一 另外一个是 Europcar. 楼主错在沒有仔细里外都检查外加拍照錄象 你和美国公司租也要做的

除了美國之外 欧洲 澳洲 纽西兰 南非 提車時里外仔细检查花的时间功夫不能少。 其实在美國有些租車点也是一樣。

I used my own insurance

I used my own insurance since I have full coverage. Will my insurance handle this type of issues?

They should. Except u didn’t hv evidence the scratch exists

at the time you took the car.

你大意了 应该坐进車子檢查仪表版 windshield seats， everything.  

I don't have evidence

The scratch is hard to see, it seems can only see better when it is under the sun. I didn't take a picture of it. But immediately after I found out, I called the rental company, they directed me to drive back and switch a car for me. The associate there said, "it's not your problem, don't worry".

 

So in this case, my insurance won't cover it?

Exactly. Hence it is hard to fight the claim from SIXT

In this case, it would become there is a damage caused by you, and your insurance shoukd cover it just as it is really caused by you.  That is what insurance is for.  Unless your insurance does not cover windshield damage.  That is another matter.

What CC you used for the rental?  Many YS cards have annual fee have CDW coverage.  

如果用信用卡付款，查查benefit，如Costco的Citi visa,

有如下条款

We will cover You up to $50,000 toward the cost of repairs or the cash value of the car, whichever is less, if a covered accident or theft occurs when You pay for a rental car with Your Citi® Card and decline the rental company's collision loss/ damage insurance.

查一下你的信用卡benefit，有些信用卡会自带租车保险，sixt租车要很仔细的检查好拍好照片上传系统以防万一。

The insurance should cover, but I don't want to file a claim

Because it is really not my fault.

I just called my insurance company, they checked and said the rental company hasn't filed a claim through my insurance company either. It's just during the dispute stage. Since the rental company hasn't filed a claim yet, the insurance company can't handle this. And I don't want to file a claim either since it's not my fault. Does that mean if I file a claim, I already admitted I did it?

really learned a lesson this time

Do you refer to ask the credit card to pay for it?

I understand principle. But w/o evidence not much you can do

IF SIXT file a claim.  You do NOT file a claim until SIXT charge you the damage.  I don't think SIXT would file a claim directly with your insurance company.  Not even US rental companies aboard.  I once had a damage with Budget at Sicily.  At car return it immediately charged my CC, with a detailed damage repair invoice together with 3 pictures, sent to my email real time.  I then spent half an hour at the counter to get the Rental Clising Agreement for the final details.  
Then once  returning home I filed an eclaim with my CC which was Chase Saphire Reserve.  The claim was settled within 7 days from filing to receiving approval with instruction on which payment option I wanted.  There were some uncovered items such as Airport Surcharge on repair.  All in all, out of 1300+ euro invoice, CC CDW paid almost 1200 euro.  Our out of pocket iirc was about 130 euro.

I am confident you would have similar outcome if it wound up has to be a claim with your insurance.

At this stage you can continue to dispute with SIXT, though given its reputation, you might not succeed.  

Good luck.

 

It is not just SIXT, Hertz did similar things even inside US

我们现在在拉斯维加斯也遇到类似的.Fox租车公司，提车时竟然骗说

我们自己车险不会保内华达纽约等之类按照他们说属于高风险的州。

强推买他们的车险。

我们当场打给traveler 车险，agent 说没有的事。50个州同样对待。

Fox自圆其说的说可能是你们车险买得比较好吧。

然后又要求$150押金并已刷过。可能这个也得扯皮，到时不退就去dispute 吧……

检查车发现一个小凹点，日期照相并在纸上noted it.

租车公司都半斤八两的。

 

Hertz 自己accounting 做不好 还誣告顧客偷車 報警拉人 去年才settle class lawsuits

https://abc7news.com/hertz-rental-car-lawsuit-class-action/12535191/
 

现在还有 private suits pending

美国租车用CSR保车辆。那责任险就会自动跳到自家车保了吧？

最顺利就是买租车公司的全保，没有唧唧歪歪，但就是吞不下这口气，凭啥呀……

以前跟你说过 CC 從来不保责任責任险是包括在租車价里的 除了几个特殊的州 好像纽约算一个。

也跟你解释过 CSR CSP UA 几个卡 CDW 都是 Primary 所以不会用到自己的車险 也就不会影响之后的保费。

有些其他银行的卡也是 Primary 具体那些我不记得了

而且很贵 佛州租車是 25元以上一天！在美國可以enroll AMEX 的 Premium plan,

是 per rental 萛 而且价格合理 当然是要用 enroll card 付款

对，以前说过在国外用CSR保车辆，责任险可能会已在租车价里了。但美国

貌似租车价里没有包什么责任险。而CSR又只保车。

租车行有另外的单就责任险可购买。

所以我就想说在美国用CSR订车，第一关车辆损害有信用卡担着，而人身责任险是不是自动就给带到自己车险里了？

看这个 AMEX premium car rental protection

https://feeservices.americanexpress.com/premium/car-rental-insurance-coverage/home.do

你交車用 enrolled card 付款后 AMEX 才 charge premium.  虽然它说是 worldwide, 但是我们有次海外租車用 enrolled card, 之后沒有看到 AMEX charge premium, 令我心中有点不安。以后沒有在海外用了。

你 file claim 之后 它直接和 rental car 打交道

明白了。大多数州都有自动加在租车费里了（州要求的最低责任险）。谢谢goingplaces.

我们这次旅程半年前就订了，之后才申请的CSR.下次就用CSR订车了。蛮好用的一张卡。谢谢推荐。

Now I reflected

以后通通要照相要有日期的那种。

Yes, lesson learned

我的意思是如果你租车是用信用卡付的，信用卡公司也能帮你dispute

所以不能贪小便宜

不要太贪便宜租那些听都没听说过的公司的车

价格差太多了，8天才3百多。hertz 啥的要6百多。就算fox加上

Windshield 上的小裂纹很难察觉，要光线和角度都合适才能看出来

您在美国吧，那您在美国的车宝会cover您在欧洲租车的保险吗？

我印象里不行