“What should I have done in this situation?”

Patryk/Shutterstock
Patryk/Shutterstock
The car rental insurance scam is a fairly well-known “gotcha” for international renters, and it’s a trap Doreen Murphy believes she walked right into when she rented a car from Budget in Northern Ireland recently.

Murphy wants my help in sorting out a surprise upcharge from Budget, but I’m not sure if I can — or should — try to unravel this for her.

Northern Ireland has its own pecular car rental insurance requirements, and apparently only one brand of MasterCard coverage meets its strict criteria. In other words, if you’re not renting with a MasterCard, you have to buy extra insurance.
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Forced to buy car rental insurance that didn’t cover her

Aleksei Potov/Shutterstock
Aleksei Potov/Shutterstock
From time to time, a case comes across my desk that gets me turned upside-down, because it doesn’t make sense on so many levels. Julie Yu’s dispute with Dollar is one of them.

A few weeks ago, I shared a problem of one reader’s mandatory car rental insurance charge in Mexico. Basically, her vehicle ended up costing a lot more than she thought it would, even though she’d purchased insurance through a third party.

Turns out this happens often. But Yu experienced the same problem — with a dark twist.
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Is mandatory car rental insurance a “bait and switch” scheme?

Studioartz/Shutterstock
Studioartz/Shutterstock
When Michael Kestan rented a car in Israel through Expedia, he went through all the steps necessary to ensure he was insured. That included buying travel insurance through Expedia, which, he was assured, would cover him.

It didn’t.

“When I arrived in Israel I was advised that Hertz had a mandatory insurance,” he says. “The insurance was $29 per day — twice as much as the car rental. At no time did Expedia advise me of these charges and at no time was I given an opportunity to shop around.”
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