I rented a car from National for a family trip to Houston recently. 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.
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 every time you return a rental car. This seems crazy to me. But is it something we should start?
– Timothy Taylor, Minneapolis
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.
I've never come across a case where a car rental company dropped a claim and then reinstated it. That's really odd.
Here's what should have happened: When you returned your vehicle, a National employee should have walked around the car with you, noting any damage. If you spotted a fender-bender, you could have begun the claims process immediately. Contacting you weeks later doesn't make National's claim any more credible. Offering to let it go – and then making a "U"-turn – makes it lose all credibility, in my opinion.
Not only would an appeal to someone higher up at National or its owner, Enterprise, make sense (you can find them on my customer service wiki, On Your Side, (www.onyoursi.de) but you should also copy the Texas Department of Insurance. I'm sure it would be interested in this questionable claim.
Even if National had persisted, you could have asked for documentation that the car had been damaged while you were renting it. I seriously doubt the company could have furnished you with that proof.
I contacted National on your behalf. A representative called you and said that the damage was done to the car before you rented it. You'd think they'd notice something like that before you picked up the car, don't you? National is dropping its claim for good.
© Copyright The Sacramento Bee. All rights reserved.
Christopher Elliott is the ombudsman for National Geographic Traveler magazine and the co-founder of the Consumer Travel Alliance, a nonprofit organization that advocates for travelers. You can read more tips on his blog, elliott.org or email him at chris@elliott.org.
• Read more articles by Christopher Elliot
About Comments
Reader comments on Sacbee.com are the opinions of the writer, not The Sacramento Bee. If you see an objectionable comment, click the "Report Abuse" link below it. We will delete comments containing inappropriate links, obscenities, hate speech, and personal attacks. Flagrant or repeat violators will be banned. See more about comments here.