Late Model Rental Car Insurance

 

INSURANCE

Rental Car Company offers the following optional Protection Products for purchase in the United States:

Damage Waiver:

DAMAGE WAIVER (DW) is offered at the time of rental for an additional daily charge. If the renter accepts DW, Rental Car Company waives or reduces the renter’s responsibility for loss of, or damage to, the rental vehicle (including but not limited to towing, storage, loss of use, administrative fees and/or diminishment of value) subject to the terms and conditions of the rental agreement and applicable laws.

DW is not insurance. The purchase of DW is optional and not required to rent a car. The protection provided by DW may duplicate the renter’s existing coverage. Rental Car Company is not qualified to evaluated the adequacy of the renter’s existing coverage; therefore the renter should examine his or her credit card protections, automobile insurance policies or other sources of coverage that may duplicate the protection provided by DW.

The cost of Damage Waiver varies by location and vehicle type. The daily cost is between $8.99 and $29.99 per day, and more on exotics. Though on Exotics, the renter must provide proof of their own rental coverage.

Personal Accident Insurance / Personal Effects Coverage (PAI):

Personal Accident Insurance (PAI) available at all Rental Car Locations.

PERSONAL ACCIDENT INSURANCE / PERSONAL EFFECTS COVERAGE (PAI/PEC) is offered at the time of rental for an additional daily charge. If accepted the PAI contained in the policy provides renter and renter’s passengers with accidental death, accident medical expenses and ambulance expense benefits. The PEC contained in the policy insures the personal effects of the renter, additional drivers, or nay members of the renter’s immediate family who permanently resides in the renter’s household and who is traveling with the renter against risks of loss or damage. Benefits are payable in addition to any other insurance coverage the renter or passengers may have. This is a summary only.

Supplemental Liability Protection (SLP)

SUPPLEMENTAL LIABILITY PROTECTION (SLP) is offered at the time of rental for an additional daily charge. If accepted, SLP provides the renter and authorized drivers with up to $1,000,000 combined single limit for third party liability claims.

If the renter accepts SLP, Car Rental Company provides third party liability protection up to the applicable minimum financial responsibility limit and Empire Fire and Marine Insurance Company provides excess third party liability insurance coverage from the applicable minimum financial responsibility limit to $1,000,000. This is a summary only.

SLP is subject to the terms, conditions, provisions, limitations and exclusions in the supplemental rental liability insurance excess policy underwritten by Empire Fire and Marine Insurance Company or Empire Indemnity Insurance Company depending on location. The purchase of SLP is optional and not required to rent a car. The coverage provided by SLP may duplicate the renter’s existing coverage.

Rental Company is not qualified to evaluate the adequacy of the renter’s existing coverage; therefore the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by SLP.