Car Rental Companies Going Nuts On Us

If it’s not the taxistas, it’s the rental car rip offs. Bend over.

We all know of the guy who sells us those South Dakota license plates. His name is Bob Jankovics and he’s sold so many of them that many of his clients call each other, “friends of Bob”.  Some of us are even pushing for him to host the South Dakota summer picnic this year. Bob also sells insurance of various kinds, and he has a mail box service. He just sold his hotel and is building another which better be finished on time because he’s already got the first couple of months sold out. Altogether, when Bob talks, people listen. So here’s what he’s saying now about the Los Cabos car rental business. And, full disclosure here, no, he does not rent cars as far as we know.

Personally, what we don’t like about the bastards is how they all bait and switch. They quote one price on the internet when you book in advance, and when you show up for your car, that price suddenly doesn’t exist. People are shocked because these are American companies everyone is familiar with. Wrong. These are not American companies, they are all franchises owned by only a few Mexican families who are all in cahoots. That’s how they can shrug and tell you to go somewhere else if you don’t like the new price: They know their brother in law at the next counter is also going to bend you over.

But Bob is ranting this week about how the car rental agencies are raping, (his word),  the customers with lies and lies, (Bob likes two lies here). He’s talking about if you don’t purchase their insurance they will not rent you the car.

Bob would like you to know that physical damage to the car is covered for most cars 100% and liability is covered for certain situations by using American Express and now many other cards as well. Of course “certain situations” in Mexico is not good enough for most of us, so he goes on to explain how you can cover yourself for sure, for sure, (we like two for sures).

“Hertz rentals offers all cars with the required amount for liability,” he says.  “Coverage, for each country is FREE, (Bob likes caps),  of charge as it’s included in the rental contract.”

He goes on to tell us that if you have an American Express card, you can get primary coverage by enrolling in the company’s premium rental car protection program. Once enrolled, you pay a flat rate of $24.95, ($17.95 for California residents), per rental. Not per day, but per rental. That program, which also includes some property damage and injury coverage, can make sense for longer-term rentals, since you would pay one fee per rental rather than a daily rate like the one charged by rental car companies.

If you don’t have personal auto insurance or if you’re renting a car in a country where your personal auto insurance isn’t in effect, (usually the case in Mexico),  then any card that offers secondary coverage becomes primary, so it should theoretically cover the entire cost of the damage.  “Theoretically” That word could turn ugly in a hurry if you stack up Mr. Hertz’s or Mr. Avis’ car.

Here’s what you do to make sure you’re covered.

Most credit cards require that you do the following in order for their coverage to kick in:

Decline the rental company’s collision damage.

Be the primary renter of the car.

Pay for the car rental in full with the card that provides the protection.

Before you rent, the Insurance Information Institute recommends you ask your card issuer to send you its rental car policy in writing, ‘’because that will make it easier to resolve any disputes down the line.’’

Read it.

“So why why why are the car rental companies raping the customers with lies and lies and if you don’t purchase their insurance they will not rent you the car?” He asks. That’s a record for Bob, three why’s.

Bob, here is why, why why: Because they can can can.  It’s wild and whooly Mexico where rich families can do pretty much what they want, want, want.