Do I have to pay for that ding on my rental car?

Question: We recently rented a car through Avis in Frankfurt, Germany, via AutoEurope. We declined the insurance, since our credit card covers us.

When we picked up the car, we were asked to check for any damage, but the car hadn’t been cleaned, so it was difficult to do a thorough inspection. We looked over the car and didn’t notice anything.

When we returned the car, the lady at the rental location went around the car a few times looking very closely and she finally pointed out a tiny chip on the edge of the driver’s door. We had to look extremely closely to see it, and we actually thought she was joking at first.

When we realized she was serious, we took a few photos but knew that it must have been there before. The tiny chip had to have happened when the door was open, and we had never touched anything with the car. She said there wasn’t anything noted from the previous renter on the papers she had so she told us to go to the Avis counter upstairs to see if it was noted on the computer. When we checked, a representative told us everything was “OK.”

A week or so after we came home we received a letter from Avis, with an estimated cost for the car damage of 800 euros. This is very hard to accept, since we know for a fact we didn’t damage this car. Also, I believe the repair cost has been exponentially exaggerated for such a tiny chip or scratch; this is extortion.

We contacted AutoEurope but they said we have to deal with Avis. We have been given the runaround for months. Could you please contact Avis and ask them to drop the 800-euro charge? — Lidia Conte, Brooklyn, Mich.

Answer: If you aren’t responsible for that tiny ding in your car, then Avis shouldn’t charge you for it. Either way, 800 euros is way too much for a chip that can’t be seen under a layer of filth. I can certainly understand why you’d think this is a scam.

It’s hard to see this from a car rental company’s point of view, but let me give it a try. Assuming this isn’t a scam (which I hope it isn’t) and an Avis representative discovered legitimate damage to your car, and assuming it wasn’t noted on an earlier rental, then who should pay for it? The company? Your credit card? Or you?

Your credit card probably wouldn’t have covered the dent, since most cards only have secondary coverage, which only kicks in after a primary policy, such as the kind offered by car insurance, has been used. What’s more, not all card coverage can be used overseas.

So who pays? You do.

Still, I share your suspicions about what happened. Why charge 800 euros for minor damage? Why tell you everything is “OK” when it isn’t? Given the many other cases of ding-scams I’ve described in this column and on my blog, you have every right to be concerned.

This could have been avoided by saying “no” a few times when you picked up the car and returned it. No, first, to the dirty car. (You’re entitled to a clean one.) No when the guy at the gate waved you through without checking the car for damage. I always mark up my rental form and ask the rental employee to sign it — just in case I end up with Inspector Clouseau when I check back in.

Also, don’t accept an employee’s word that everything is “OK.” Get it in writing. Had an Avis employee signed off on your rental, this would have been an open-and-shut case.

I contacted Avis on your behalf. It contacted you, apologized for your experience, and dropped the charges.

(Photo: mo tiqua/Flickr Creative Commons)

  • Chris in NC

    … and the car rental damage cases continue to pile up.

    We will be renting our first car in months soon. Guess I will be doing the video thing (and checking the roof!)

  • Carver

    What I would be interested to know is whether there is a corrolation between certain types of rentals and excessive damage claims.

    I would expect, but don’t have much first hand knowledge, is that these claims would arise most often with non-airport locations and off-brand rentals.

    But is that true?

  • Sebastian

    Good work and thanks for helping Lidia out!

    I may note that Frankfurt Airport is a very bad example when it comes to car rental damage claims. The company who is handling the returns for all rentals, be it Avis, Hertz, Sixt etc is an outsourced corporation that employs part time workers who have no customer service experience and it has been reported by a magazine in Germany that they get a commission for ‘finding’ damages on cars. The worst of it is that you cant get a receipt from the rental company at the lot, you have to go all the way into the airport on the lower level to see an actual employee of the rental company to give you a receipt or discuss a discrepancy. Same when you return your car at the Sixt Valet Service at the Lufthansa First Class Terminal. Careful there, is my advise to everyone returning cars at Frankfurt airport!

  • MikeS

    Several years ago I rented a car in Germany from Europcar. I was on a business trip so my employer was covering the whole thing.

    About a month after my return, I received a letter demanding I explain the damage, where it happened, and which police department it was reported to. There was no hint of what the damage was.

    I reported it to my employer since it would be their responsibility. And then I faxed a demand back to them for pictures and descriptions of the problem. I faxed it to them every other day, I was so worried. They never faxed anything back. Another week or so later, they sent a letter saying they had taken care of the issue. There was no hint of a reply nor any hint they had made a mistake.

    So, there are some happy taxi drivers in Dresden who drove me around on future trips because I wanted nothing to do with Europcar ever again. Do not rent from them.

  • http://www.roamingtales.com Caitlin @ Roaming Tales

    I’ve never had a problem with car rental damage but until we bought our own car, I always used the rental company’s comprehensive insurance. I will soon be renting a car using my own insurance for the first time and I’m curious/nervous to see if the attitude suddenly changes.

  • Tim@OKC

    @Carver, my two experiences with this scam have both been “name brand” Rental Car companies, and at airport locations.

    First was with a rental from the company named after Capt. James T. Kirks favorite ride, at a major airport.
    Second was with a rental from the company named after a famous Texas Historical site in San Antonio, again at a major airport location.
    (company names redacted to protect the innocent)

    While you would hope/expect the scam to be perpatrated by off-brand rentals, that is not necissarily the case.
    ——————————————————————–
    @Caitlin, hang tough at the rental counter if/when the clerk starts telling you “that you need to take our insurance for peace of mind”… don’t buy into it.
    And also, as has been mentioned here numerous times, spend a few minutes documenting the damage with both written notes on the rental contract, and photo’s. This will be “your peace of mind”………..

  • LeeAnne

    At this point, given the number of articles that have appeared on this blog about this very situation, everyone who reads this blog should know two things:

    1. Yes, it is a scam. Face it, and deal with it accordingly.
    2. Never leave the lot until you have fully documented the condition of the vehicle, both on the contract and with digital photos, including close-ups of every single scratch, paint chip, or evidence of wear and tear. Also, whenever possible, get the agent to sign something on your contract stating that the vehicle has no damage (although this isn’t always possible – so the photos are your insurance that you won’t be scammed.) If you don’t you are likely to get hit with hundreds of dollars for that so-called “damage” that you didn’t cause.

    Then, when you get that extortion letter telling you to pay up, all you have to do is send them copies of the photos, along with a letter telling them in no uncertain terms that you will not be extorted out of money for damage you did not cause, and that they must *prove* that you caused the damage. Copy your state’s insurance commissioner (provided it’s a domestic rental). That should do the trick.

  • LadySiren

    God I wish a class action lawsuit of some kind could be filed against the rental agencies. IANAL, so I have no clue whether a class action suit is applicable or could ever be filed, but boy do I wish one or more could. Maybe then the greedy rental companies would see their customers are tired of this quasi-criminal treatment. Enough already!

  • Roberto

    Hello,

    I read from you this:
    “I always mark up MY RENTAL FORM and ask the rental employee to sign it — just in case I end up with Inspector Clouseau when I check back in.”

    So I have to ask you… which rental form … from you or from the rental car?
    I mean… do you have a previous rental form that you make to the employees to sign???…

  • Dave M

    Read this article in the Orlando Sentinel and had to come here to comment. I got tipped off by a rental car lot attendant in Hawaii. I was checking for damage, scratches, etc. very carefully, he took notice, was apparently impressed and pointed out to me that the place no one checks is under the front lip of car. These typically get scrapped up when you are parking and run up on a concrete parking stop, a sidewalk, a tall speed-bump, etc. I was horrified that they were nailing people for this, but definitely noted it on my rental form, and have been checking ever since. This seems to happen a lot more in the lower volume non-business rental situations. In the high volume business locations (O’Hare, LAX, etc.) they hardly glance, and that car is washed and back out on the streets before I’m back in the airport terminal.

  • http://www.deutsch-kurse.biz Tom Telmann

    Hello! Thank you for posting this interesting article! I really liked it and wanted to thank you for posting it! Tom

  • Spencer381

     I work at a rental car location, and I just have a few words of wisdom. First, if they give you the car and it was dirty, you should have said you were not taking that vehicle, you want an exchange, OR at least get the vehicle washed. 2nd, we tell our customers to check for damage, if there is any damage let us no, if not, you are free to go. If they leave the lot without reporting any damage, you will be charged for ANY damage on that vehicle when you return. It’s not my fault you couldn’t take the few minutes to look at the vehicle completely. Now we are not that strict, like these guys sound, if there is a scratch or chip its no big deal. But dents and deep scratches, you are on the hook if you didn’t tell us about it before you left, AND if it wasn’t noted by car washers or previous renters. I do not feel sorry for people that come in and beg me not to charge them for damage. It only takes a couple minutes, and I am happy to write everything down that you find on the car, but everyone is in a big hurry these days. Also, one more thing, I do suggest taking the Loss Damage Waiver, because if you are in an accident, you don’t even have to notify your insurance company. Car is completely covered. Paying 20 bucks a day for coverage is much better than having your insurance rates jack up! Have a nice day everyone!

  • Edward Sealing

    The AVIS at Frankfurt, Germany Airport is running a similar scam on me right now. I’d be curious if they are using the same photos and how similar our situations are. They have recently sent me a letter with pictures of “damage” that look NOTHING like what they showed me. Feel free to contact me to discuss.

    I’ve posted pictures of the “damage” at: http://legendarywou.com/wp-content/uploads/2011/05/scratch.jpeg