Question: I rented a car from National for a family trip to Houston. The rental was uneventful. But a month later, I received a letter saying that the car had been returned with about $2,000 worth of damage, which included needing to replace a front bumper and a headlight.
I’m certain this damage didn’t happen while I was renting the car. My wife and three kids were with me. We were getting in and out of all the doors repeatedly. We would have noticed any damage. When I returned the car, the agent did a quick walk-around, and the car was fine.
I followed up by calling the claim representative at National. She checked, and in a follow-up call told me that she was recommending closing the claim. Then I got a phone call from National saying that they had figured out what happened, and it wasn’t my fault, and they were closing the claim. So it all seemed fine until another month went by, and I got a letter saying that they had decided to pursue the claim after all.
I’m insured, and the loss is covered, but I’d rather use my insurance for when I actually have an accident! I’d always assumed that when you’ve returned a car and they have signed off and handed you a bill, then you aren’t responsible for the vehicle any longer. Apparently that’s not true.
My insurance company is contesting the claim, but they also say that the only real protection against a rental car company making this kind of claim is to take 8 to 10 time-stamped pictures of the car from different angles every time you return a rental car. This seems crazy to me. But is it something we should all start doing? — Timothy Taylor, Minneapolis
Answer: Yes. Take pictures of your car before and after your rental and keep them at least six months. The systems used to determine who damaged a rental are far from perfect. At least one company, Hertz, has pledged to begin photographing all of its cars before they leave the lot. The rest have less scientific ways of determining who is responsible for the dings, dents and scratches. If I didn’t know any better, I’d say they try to guess who might have done it. Continue reading…