Need Advice: Dent found on a rental that I still have... Help!

You have insurance with your credit card, don't worry about it. Inform your credit card (who will give you contact for the insurance underwriters ) and let them know. when you return the car, either a) car rental will deal directly with insurance or b) charge you later with a bill/invoice and you will then submit to insurance who will reimburse you.

gilboman wrote: ↑You have insurance with your credit card, don't worry about it. Inform your credit card (who will give you contact for the insurance underwriters ) and let them know. when you return the car, either a) car rental will deal directly with insurance or b) charge you later with a bill/invoice and you will then submit to insurance who will reimburse you.

Thanks for the speedy response.

I feel like I sholdn't have to deal with this if I didn't create the problem.

So you suggest waiting until I return the car before I inform the credit card company? When I do the walkthrough and the agent doesn't notice the dent and I sign off on it, is there any way they will ding me later? I need to inform the credit card company within 48 hours after the rental period is over. Otherwise the insurance is void.

Do the post-rental inspection and see if they take a note of the dent. If they don't make sure to keep a copy of that inspection form. If they do then I guess you'll have to go through insurance.

should have taken pics when u did the pre inspection

sphinx666 wrote: ↑Thanks for the speedy response.

I feel like I sholdn't have to deal with this if I didn't create the problem.

So you suggest waiting until I return the car before I inform the credit card company? When I do the walkthrough and the agent doesn't notice the dent and I sign off on it, is there any way they will ding me later? I need to inform the credit card company within 48 hours after the rental period is over. Otherwise the insurance is void.

Actually, you did create the problem. It happened during your rental period, therefore your responsibility.
They can come back at you for months after. The fine print will indicate how many months. On one occasion, They tried to ding me 6 months after the rental. There were circumstances involved and I did not get charged but National had a 12 month period in their fine print.

Which rental company is it?

Pete_Coach wrote: ↑Actually, you did create the problem. It happened during your rental period, therefore your responsibility.
They can come back at you for months after. The fine print will indicate how many months. On one occasion, They tried to ding me 6 months after the rental. There were circumstances involved and I did not get charged but National had a 12 month period in their fine print.

There is no way this happened during my rental period. It's obvious that this a curb run-up type dent and I didn't do it. I would understand if the dent was higher then I could say that for sure perhaps someone hit the car while it was parked. But it's not possible.

How do they prove that it happened during car rental period?

So, what advice are you giving me at this point?

sphinx666 wrote: ↑There is no way this happened during my rental period. It's obvious that this a curb run-up type dent and I didn't do it. I would understand if the dent was higher then I could say that for sure perhaps someone hit the car while it was parked. But it's not possible.

How do they prove that it happened during car rental period?

So, what advice are you giving me at this point?

I guess my point is, was it noted during your pre-rental inspection? No, well then, it can be attributed to you. All they have to prove is that the damage is there now and it was not before.
Advice, well, there is no advice really, you can hope the dent is not noticed. If it is, argue with them that it was there and see if you can win the argument. If you lose, hope that your insurance will cover it, including the loss of use that they always seem to add on. There are stories and they are not unusual.
http://www.elliott.org/blog/how-to-win- ... laim-game/
http://seattletimes.com/html/travel/201 ... ter26.html
http://www.elliott.org/blog/is-the-car- ... travelers/

Pete_Coach wrote: ↑Actually, you did create the problem. It happened during your rental period, therefore your responsibility.
They can come back at you for months after. The fine print will indicate how many months. On one occasion, They tried to ding me 6 months after the rental. There were circumstances involved and I did not get charged but National had a 12 month period in their fine print.

Did they notify you about the damage within the week you returned it? And was it cosmetic or an internal problem? Under their TOS they state:

NOTICE OF RIGHT TO INSPECT DAMAGE

If the car is damaged, we may not collect any amount for the damage unless you, or an authorized driver against whom we claim liability, have been promptly notified of your and your insurers' right to inspect the unrepaired car within two working days after we were notified of the damage. If you request, we must also give you copies of two estimates we have obtained from repair shops regarding any damage claim.

When working at Budget, we did pre and post inspections for every rental. If something wasn't caught during the post inspection we did not try to claim damage (if it was only cosmetic).

ditachan wrote: ↑Did they notify you about the damage within the week you returned it? And was it cosmetic or an internal problem? Under their TOS they state:

NOTICE OF RIGHT TO INSPECT DAMAGE

If the car is damaged, we may not collect any amount for the damage unless you, or an authorized driver against whom we claim liability, have been promptly notified of your and your insurers' right to inspect the unrepaired car within two working days after we were notified of the damage. If you request, we must also give you copies of two estimates we have obtained from repair shops regarding any damage claim.

When working at Budget, we did pre and post inspections for every rental. If something wasn't caught during the post inspection we did not try to claim damage (if it was only cosmetic).

This is with Enterprise. My worry is that they will come after me after I return the car and then it will be too late to claim it from the credit card insurance company.

Does anyone think it's a good idea to call them now and report that this is what I have found? Perhaps they look at the reports and see if was a known issue and I can put this to rest, otherwise I risk them coming after me later (it's cometic). I'm reading too may horror stories that Enterprise is comign back 6 months later and sending people bills for dents, etc.

Pete_Coach wrote: ↑Actually, you did create the problem. It happened during your rental period, therefore your responsibility.
They can come back at you for months after. The fine print will indicate how many months. On one occasion, They tried to ding me 6 months after the rental. There were circumstances involved and I did not get charged but National had a 12 month period in their fine print.

I've had huge issues with National in the past too. My rental was hit in a parking lot. I notified my bank's CC insurance about the accident. But I had to deal with National in person for the insurance. It was a long and painful process.

ditachan wrote: ↑Did they notify you about the damage within the week you returned it? And was it cosmetic or an internal problem? Under their TOS they state:

NOTICE OF RIGHT TO INSPECT DAMAGE

If the car is damaged, we may not collect any amount for the damage unless you, or an authorized driver against whom we claim liability, have been promptly notified of your and your insurers' right to inspect the unrepaired car within two working days after we were notified of the damage. If you request, we must also give you copies of two estimates we have obtained from repair shops regarding any damage claim.

When working at Budget, we did pre and post inspections for every rental. If something wasn't caught during the post inspection we did not try to claim damage (if it was only cosmetic).

You quoted me so, are you asking me these questions?
Regardless, I think that every car rental company has slightly different policies.

durrsak wrote: ↑I've had huge issues with National in the past too. My rental was hit in a parking lot. I notified my bank's CC insurance about the accident. But I had to deal with National in person for the insurance. It was a long and painful process.

To me, this occurred while I was away on business. I was charged by National for damage to the rental car on my credit card about 4 or 5 months after the rental. I called and was given the runaround about my obligation and the fine print on the rental agreement and how the damage was underneath the car (?) and so on. I told them they could not charge me and they faxed me the portion of the contract that indicated they had up to a year to recover loses. I was P'd and contacted my credit card company. They were also not helpful except they were going to check what coverage I had.
So, I was complaining about it at work and a co-worker mentioned he was dinged too. On this particular occasion I was away with a number of colleagues from all over the Country and we rented cars from the airport and train station and in town locations. This started a conversation and we checked with other folks that were at the meetings and low and behold, there were 3 other guys that got dinged. We contacted our corporate credit card fraud office and although we never heard back, charges on the card were dropped and we were told never to rent from National again.

sphinx666 wrote: ↑Thanks for the speedy response.

I feel like I sholdn't have to deal with this if I didn't create the problem.So you suggest waiting until I return the car before I inform the credit card company? When I do the walkthrough and the agent doesn't notice the dent and I sign off on it, is there any way they will ding me later? I need to inform the credit card company within 48 hours after the rental period is over. Otherwise the insurance is void.

Actually you did by not noticing the damage when you did your "inspection".

sphinx666 wrote: ↑This is with Enterprise. My worry is that they will come after me after I return the car and then it will be too late to claim it from the credit card insurance company.

It won't be. Just make sure you keep all of your documentation. Enterprise will likely charge you for the damages, and your card company will reimburse you.

What credit card company is this?

CorSter wrote: ↑It won't be. Just make sure you keep all of your documentation. Enterprise will likely charge you for the damages, and your card company will reimburse you.

What credit card company is this?

CIBC Aventura - I think their policy is 48 hours

CIBC aventura - this is the insurance policy

https://www.cibc.com/ca/pdf/visa/auto-rental-ins-en.pdf

Get a spare key made. Drive to Jane/Finch area Tim Hortons, go inside (car running, Window open, spare key in ignition), return to your car one hour later, look for it, call the cops, give them the original key, call the insurance... easier than paying for stupid dent...

If they find damage when you return your vehicle, they may pull the inspection report from the last 2-3 times the car was rented out (depending on the company). If the damage was noted on any of those inspections, you're off the hook. If not, you'll have to start a claim with your insurance company.

Pay closer attention next time

Enterprise I find is pretty leniant. I used to work for a rental co. way back. They will check prior agreements . Don't go crazy over this especially if your cc has coverage.