After Talor Min’s husband dies during a trip to Malaysia, she files a claim with her trip insurance companies for the repatriation of his remains. One year later, she’s still trying to get her money back. “Help! My trip insurance company won’t pay to bring my husband’s body home”
When Michael Miller’s 100-year-old pool table is damaged during a move, he’s assured that insurance will cover the repairs. But now it won’t. Was he misinformed? “Movers damaged my antique pool table. But I have insurance. Or do I?”
Pamela Mazerski didn’t wait to call her travel insurance company until she had to file a claim. “When should you call your travel insurance company?”
AXA Assistance USA promises John Schwegel that it will cover the cost of a ticket home after his flight is delayed. But then it doesn’t. How do you persuade AXA to change its mind? “Why won’t travel insurance cover my flight delay?”
Alan Wolfson’s claim for post-operative equipment hasn’t been processed for almost a year. What does he have to do to get Florida Blue’s attention? “Florida Blue ignored my claim — could you get them to answer me?”
When Katherine LaFaso returns her Enterprise rental, she’s charged $500 for damages she says existed before she picked up the car. But how can she prove it?
Question: I rented a car from Enterprise in Paramus, N.J., for a month while my car was being fixed due to an accident. It was the only rental available that day, and an Enterprise employee told me there was an open claim with some damages, which were pointed out to me. I was told I would be contacted in a few days to switch out the car for one without any damage, but that never happened.
When I returned the car, there was a more detailed inspection done by a different employee. The damage in question didn’t even look like damage; it looked more like bad repair work or an imperfection. But the bottom line is: I did not damage the car.
Enterprise charged my credit card $500 without my authorization, and my credit card company recently sided with me and credited my account. Enterprise’s damage-recovery unit is now giving me an ultimatum: Pay up, or we’ll send this to collections, and you could face legal consequences. What are my options now? — Katherine LaFaso, Paramus, N.J.
Answer: You could pay this bill — or fight it.
Here are the reasons to pay: Enterprise claims that you damaged its car, and if you don’t settle up, the car rental company will have to cover the damages. Also, your damage claim may be referred to a collections agency, and you might be added to Enterprise’s “Do Not Rent” list.
Here are the reasons to fight: Your claim raised several red flags that were so troubling even your credit card company sided with you in the dispute. There is the arbitrary $500 charge (despite the fact that Enterprise showed you no repair invoice). And any claim at or near $500, which is the normal amount of an insurance deductible, is suspicious, because it looks as if a car rental company is going for the easy money and trying to keep your insurance company out of its business. By your account, Enterprise lost the credit card dispute, which means it couldn’t prove that you were at fault.
I think this easily might have been avoided. First, never accept a damaged car, even if it’s the last one on the lot. If, for some reason, you feel you have no choice, then take lots of photos or videos of the vehicle with your phone. Document any pre-existing damage in writing, ask a manager to sign the rental agreement, and then get the manager’s business card. You’ll probably need it later.
If you’d shown Enterprise the images and a signed rental agreement with the damages documented, you never would have been charged $500, and you wouldn’t be receiving threatening letters now from the damage-recovery unit.
I’m getting a little tired of these cases. If car rental companies simply asked their customers to photograph their vehicles before driving them off the lot and offered a clear way to document any pre-existing dings and dents, then these cases would disappear overnight. I can’t imagine why they wouldn’t want to end these time-wasting claims, unless they are amazingly profitable.
I contacted Enterprise on your behalf. It reviewed the claim, and although it said there is “no evidence” to support the allegation that the damage was pre-existing, the regional manager who was handling this claim has left the company. As a result, Enterprise couldn’t clarify some questions and follow normal protocol. Enterprise dropped its claim.
Eric Eatman didn’t do it. He’s sure of that.
“In the car rental wars, which side is right?”
After Jiuguang Wang is involved in a fender bender in Belgium, Europcar charges him $3,309. But it doesn’t send the repair records to his credit card company that insured the vehicle. Is he stuck with the bill?
Question: I am in desperate need of your help. I recently rented a car from Europcar in Brussels. I declined the collision damage waiver (CDW) provided by Europcar in favor of the CDW on my Capital One World MasterCard.
While I was renting the car, I was involved in a collision. As a result, the front left corner of the car was damaged. When I returned the car, I was billed an initial damage surcharge of 2,470 euros (approximately $3,309). Upon returning to the United States, I filed a claim with MasterRental and forwarded it all documents regarding the rental car and the associated collision.
A few months later, I received a call from a MasterRental agent, who stated that Europcar had no documentation for the damages. The agent advised me to contact Capital One directly to receive a refund for the extra charges I was billed for the damages.
I have opened a dispute through Capital One for $3,309. I don’t understand how Capital One can decide differently in the two cases, when they concern the same claim. I would like to get your help to appeal the decision with Capital One, or perhaps talk to Europcar so it can provide the necessary documentation to MasterCard so that I can be reimbursed. — Jiuguang Wang, Pittsburgh
Answer: Europcar should have furnished your credit card company with the documents necessary to process your claim. If your accident had happened in the States, the car rental company probably would have sent you a damage claim instead of charging you immediately, but “Charge first, ask questions later” seems to be the way things are handled in Europe.
When a car rental company bills you $3,309, it is obligated to show that it actually paid that much to repair your vehicle. You didn’t contest the charge, but Europcar needed to work with you to process your claim with Capital One.
I don’t think your credit card company has a double standard. It doesn’t determine if a charge is right, so it couldn’t have known whether the initial damage claim was legitimate. A separate department handles the insurance claims, and knowing big bureaucracies as well as I do, I think it’s unlikely that Capital One could have done the math and determined that the Europcar charge wasn’t legit.
Some might contend that your case is a good argument for buying a car rental company’s insurance. I disagree. You were fully covered under your Capital One policy. The CDW offered by Europcar would have been an expensive and unnecessary cost.
I might have pressed this issue with Europcar in writing. Email addresses for its employees follow the convention: [email protected], and a little Internet sleuthing would have turned up the name of a manager or supervisor. The company needed to furnish you with the documents; it can’t just charge you based on an estimate.
I contacted Europcar on your behalf. A representative emailed you the damage appraisal receipts, which allowed you to make a successful claim with your credit card company.
After a medical emergency, James Wright uses frequent flier miles to pay for a return flight to the United States from Australia. But now his insurance company is balking at a refund. What can he do to replace the miles?
“Does insurance cover my frequent flier miles?”
Brendon Taketa is broadsided by a damage claim two months after he returns his rental. Is the bill legit?
“Is this car rental damage claim for real?”