I rented a car and bought insurance, but even if I had zero-deductible,
it would not apply at all to the "undercarriage".
What is the undercarriage? The chassis and all the suspension parts?
The exhaust sysem? Dents from below in the floor panels.
What sort of damage can one do to the undercarriage? Other than
busting a ball joint, they seem pretty reliable.
What does one have to do to do that damage to the undercarriage?
And how hard do rental companies check whether there is undercarriage
damage? If it's not creaking when you drive in and not crawling
sideways, are you okay, or do they actually look underneath?
If you happen to damage the undercarriage - just activate the
collision or comprehensive clause of your insurance -
by hitting a tree or rolling it in the ditch .. or whatever -
- then you'd be fully covered ! No worries !
firstname.lastname@example.org posted for all of us...
Sorry John T to Micky>>>
I have Micky blocked so I did not see the original post.
Hitting something that is laying on the highway like: landscapers toolbox,
mufflers, truck tire treads, rocks, etc.
You could bust a half shaft, ruin a wheel or bearing or bend the tie rods
Micky you are still the same way. You ask a question that you could get a
more accurate answer from another source-like your insurance agent.
In alt.home.repair, on Mon, 15 Apr 2019 15:30:28 -0400,
That's an idea, all right, but I don't think it will work. The
insurance will pay for the damage that's not undercarriage (except for
the $500 deductible) but I'll still have to pay for the damage to the
undercarriage. Like I say, it's not covered by insurance.
But you will be in hospital, and your lawyers will be suing the
rental company for renting you an unsafe car - that had
undercarriage damage that caused the accident !
No worries ! You're welcome.
As an added bonus - you will have so much more time -
while in hospital - to post all your ideas here in Home Repair -
... why the little tubes are different colours ; or why they use
left-handed clipboards in Denmark, etc etc
If I bought the CDW and I really believed that, if I did roll over a
boulder that tumbled off a mountain in front of me and I thought they
had undercarriage damage I would have to pay for. I would test the air
bags. Within that "total", I doubt the undercarriage damage would be
I beat the crap out of rental cars so I usually buy the insurance.
In South Dakota I put about 1300 miles on a 4wd Suburban on Forest
Service roads. (Every road on the Rapid City "green map")
They rented me a 4wd. Did they think I needed that to get from the
airport to Mt. Rushmore?
In alt.home.repair, on Mon, 15 Apr 2019 20:48:46 -0400,
I did see a 4WD coming off the same road yesterday that I had so much
trouble on the day before yesterday. He was zipping right along, but
otoh I saw him driving on the end of the dirt road, and though dirt,
that part was flat and didn't give me trouble either, but I had to go
slow because I didn't know the road and didn't know what was coming
next. He was probably a local. No rental car company sticker on his
They do rent 4WD's I think, but 98% of the time, I'm on nice paved roads
where a sedan is more comfortable. (The rental company's local
webpage ad shows people riding in a convertible, but it doesn't rent
Way back in 1990, my friend took me for a drive and even though very
close to the city, she showed me a really scenic area with no
civilization showing in the valley below, and I wanted to see the area
and the view again. She doesn't remember what road it was, but I
remember some geographic landmarks. So the road two days ago had a
similar view, but her road was paved and Monday's road was not.
It came out on a paved road so i thought I'd found it. I went back
yesterday and drove as if I'd turned right when I got off the dirt road,
not left. The road was paved but only for a half mile (and a half mile
with no view of the valley). Then it was back to dirt again. So I
backed up, turned around, and did something else.
In alt.home.repair, on Mon, 15 Apr 2019 14:35:11 -0700 (PDT), trader_4
The insurance definitely doesn't cover the undercarriage. They are
specific and very clear. And there is no limit to how much one can be
charged for damage, though I don't think I did any damage.
One is also not permitted to drive on iirc an unpaved road, and there
are a lot of them here. Today the road started off unpaved but quite
flat, then there were a few ruts caused by water run-off. Then when I
left the park area, it was much worse, where the rain had eventually
washed away all the dirt and only rocks were left. A real challenge to
figure out which side of the road to drive on. I ended up driving 5
miles and almost a mile was just on rocks. It's a amazing the tires
Somehow I didn't know all these rules 2 years ago. Life was better
then. Ignorance is bliss.
It was dark by the time I parked so I haven't looked at even the side of
the car, but I think it's okay.
**I did have a flat last year, but on a very quiet, totally smooth road.
I couldn't figure out how to assemble the lug wrench so it took a longer
time to unbolt and bolt the nuts and after 40 minutes a guy came by when
I was almost done and finished up for me. And I was so tired I let
Last year I also hit a short post, scraped the plastic panel (lower
corner of the front) and I think they only charged me $16***. But I
know from others that they are not always that nice.
***There were 3 charges around $20, and one could have been filling the
gas tank, another could have been my driving on a toll road (the toll
plus the rental company's fee for figuring out who was driving their car
that day.) They didnt' say what any of the charges were for, but the
previous year, another company didn't even send a final invoice until I
asked for one 9 months later. I had forgotten to note how many miles
Be sure to read all the fine print !
My car insurance only covers rental cars in Canada & USA.
Even the premium credit card coverage has limitations -
example Ireland is excluded as are a few other countries.
My Ontario autoinsurance covers me anywherre in the USA and CanadaJF
I decline the CDW.
One of my credit cards does too IF I pay the ENTIRE cost with that
card AND decline the CDW from the rental company.
If you don't drcline the CDW neither one can cover a cent. When I was
in Austria and in the Canary Islands my insurance covered the CDW. I
DO have "non owned vehicle cpverage"
In alt.home.repair, on Mon, 15 Apr 2019 21:54:48 -0400, Clare Snyder
There might be some of that here too. I think I remember hearing that,
but it's certainly not on the webpage where you make the original
My credit card would cover CDW, but only if I rented for less than 31
days. Even then, only for the first month. Even if I changed rental
car companies after a month, they keep track of that, and even if I
changed charge cards, they exclude that (and might keep track of it).
Plus if I went below a month, like the last partial month of rental, I'd
lose my monthly rate.
Plus even if you can do it, the rental company won't accept a printout
of the credit card webpage that says your covered, probably because
there are so many credit card plans (and webpages, and even more so
printouts of webpages, can stay the same while actual plans change).
All the rental companies insist on a letter addressed to the customer
saying he is covered for CDW. I think this has to be a postal letter,
so one has to remember to do this enough days before leaving home, but I
know the credit card companies know what the rental companies want from
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