Cracked windshield on new rental

[Hootbro]

The rental company wants you to take their physical damage waiver because they make money on it, but you don't want to take it because it's more expensive than your insurance and you already have insurance. One of those things that rarely works out for the renter.

That sums up insurance in general. It is pretty much all a scam until one actually needs to rely upon it for financial risk mitigation.

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[Deleted member 57233]

Let me borrow your JT and bring it back with a broken windshield and give the same argument I am not responsible and leave you with the bill?

That still wouldn't be fraud lol

 

[Hootbro]

That still wouldn't be fraud lol

Boils down to a sliding scale of ethics how ever one wants to define this.

 

[Sweetums]

That still wouldn't be fraud lol

It would be fraud if there was a contract in which you agreed to take responsibility and put a payment method on file, then fraudulently claimed to that payment provider that you are not responsible for the damage to avoid paying.

 

[Okie Gladiator]

That is fraud but ok, you got away with it, great.

I never recommended lying when submitting your dispute. You need to add a lot of assumptions on your own to jump towards accusing someone of fraud.

 

[Gvsukids]

 

[Sweetums]

I never recommended lying when submitting your dispute. You need to add a lot of assumptions on your own to jump towards accusing someone of fraud.

My entering the dispute for the charge you are already lying. The vehicle was damaged during your rental term and you signed a contract to be responsible for any damages. Disputing the charge is you saying that it was either an error or fraudulently applied - which isn't true. You had the vehicle. It was damaged in your care. You signed a contract to this effect.
So explain how disputing the charge is anything other than lying/fraud.

 

[Wheelin98TJ]

My entering the dispute for the charge you are already lying. The vehicle was damaged during your rental term and you signed a contract to be responsible for any damages. Disputing the charge is you saying that it was either an error or fraudulently applied - which isn't true. You had the vehicle. It was damaged in your care. You signed a contract to this effect.
So explain how disputing the charge is anything other than lying/fraud.

A potentially valid dispute would be it was damaged prior to your rental term and the chip on the windshield was missed during the inspection.

 

[AstroZombie]

Drop it off afterhours. "It wasn't there when i dropped it off!"

 

[Okie Gladiator]

Wow - my comment about using the credit card company dispute process to resolve a dispute really led to claims of fraud, dishonesty, questionable ethics... I never expected that.

My intent was to offer the OP an option that was not yet mentioned. Based on the OP's post It seemed there was question about whether the problem existed prior to having the vehicle and became worse while in possession of it. That would make it a valid dispute.

My expectation of a company I do business with is that they would take ownership and give the customer the benefit of the doubt in good faith (if not a repeat offender).

I wasn't going to be presumptuous and render my opinion of fault or responsibility to the OP. Rather be supportive of the OP if they felt it existed before they had possession.

There is absolutely zero fraud, and zero questionable ethics in using a dispute process to resolve a dispute. (leave assumptions out of it)

 

[Okie Gladiator]

Drop it off afterhours. "It wasn't there when i dropped it off!"

best idea ever

 

[Cpt Adama]

Is it fraud when a damage occurs on your vehicle or house for that matter that is covered in your contract and the insurance company denies your claim out of course? And then, they won't comply with the contract until you hire a lawyer and take them to court. Just saying, karma can be a bitch.

 

[Sweetums]

Is it fraud when a damage occurs on your vehicle or house for that matter that is covered in your contract and the insurance company denies your claim out of course? And then, they won't comply with the contract until you hire a lawyer and take them to court. Just saying, karma can be a bitch.

No, that would be breach of contract, not fraud.

 

[Cpt Adama]

No, that would be breach of contract, not fraud.

Ahh, thanks for clarifying the legal terms. So is the SOP (standard operating practice) of most insurers to deny claims even when the company knows they are legally contracted to comply and like to make the claim process as difficult as possible, to make the claiment give up, ethical or moral?

 

[Sweetums]

Ahh, thanks for clarifying the legal terms. So is the SOP (standard operating practice) of most insurers to deny claims even when the company knows they are legally contracted to comply and like to make the claim process as difficult as possible, to make the claiment give up, ethical or moral?

Tell me you don't have to deal with health insurance claims and payments without saying it.

Yes, that's SOP. United Health has gotten in trouble several times for automatically denying all claims filed and forcing everyone to appeal; now they are using AI to deny claims without anyone ever looking at them.

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