Thank goodness the 24hr 39min drive is behind me. As you could see in yesterday’s post, I had a 16′ rental truck with a trailer behind it. I was pretty nervous before the trip as I’m use to driving a little two door couple, not a freakin’ semi. Since my driving record is mediocre at best, I decided to pay for a Budget Truck insurance policy
Here were the plans they offered…
I opted for Plan 1, the limited damage waiver. It set me back $100 and provided coverage for any physical damage to the truck, except the roof and tires. Since the truck is valued at $50,000, I figured $100 for ‘peace of mind’ was in order.
Tthe 1,300 mile trip is over and I’m happy to report the truck is still in one piece. That means Budget just made an easy $100 off me. Ninety-nine times out of a hundred, I’ll decline warranties and insurance plans on rentals/purchases, but I just didn’t want to be on the hook for $50K if something bad happened during the drive. I probably should have checked with my car insurance provider to see if my policy covers rental trucks (something tells me it doesn’t).
Would I pay for the coverage again? Probably. Would I hate every minute of it? You bet your booty I would. Unfortunately, peace of mind trumps my pocketbook in this scenario. Would you have paid the 100 bucks or risked it and declined coverage? When you rent a car do you get the insurance on it? If I declined and got in an accident, they’d sue me if I couldn’t pay the damages…right? Am I a sucker?