car rental insurance usa

Companies such as Bonzah, Allianz Global Assistance and Insure My Rental Car offer competitively priced stand-alone rental car insurance. Four Types of Insurance Offered by Car Rental Companies In general, U.S. residents are usually covered by their own personal auto coverage. What happens if you get into an accident with your rental car on a trip? Get tips on where to buy rental car damage insurance and how to deal with damage.

: Car rental insurance usa

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Do I Need To Purchase Insurance On My Rental Car?

Use the Diners Club Card to travel, and automatically receive a package of travel insurance coverages such as travel accident, excess lost baggage and primary rental car collision damage insurance at no additional cost.

Primary Collision Damage Waiver Insurance

  • Receive primary coverage, anywhere in the world (except where prohibited by law), when the entire cost of a car rental is charged to a Diners Club Card.
  • For most cardmembers there's usually no need to file a claim with your own insurance company, so your personal insurance premium won't be affected.
  • The insurance covers physical damage and theft of the vehicle, reasonable loss of use charges, reasonable towing charges, and includes Secondary Personal Effects insurance.
  • Protection applies to rental cars with Manufacturers Suggested Retail Price up to $75,000 for covered damages. For Carte Blanche cardmembers, up to $100,000 for covered damages.
  • To qualify, you must decline the rental agency's collision damage waiver (CDW), saving up to $16 per rental day.

Travel Accident Insurance

  • Automatic coverage of up to $350,000 on common carriers.
  • Coverage applies every time the entire cost of an airline, train or other common carrier ticket is charged with your card.
  • Also applies to travel on frequent flyer or similar non-revenue tickets.
  • Coverage includes direct travel to and from the airport station or terminal on any public conveyance including buses, trains and hotel or car rental agency courtesy vans (private/rental cars excluded) — if the common carrier ticket has been purchased prior to departure for the station, terminal or airport.
  • Coverage applies for spouses and dependent children.
  • Optional enhanced coverage is also available.

Lost, Damaged, or Delayed Baggage Insurance

Just charge the entire cost of your ticket to your Diners Club Card Account and you're automatically covered for up to $1,250 to replace your baggage and its contents should they be lost, damaged or stolen. This valuable protection is provided to you at no additional cost, and the same generous coverage applies to both checked and carry-on luggage.

Diners Club Cardmembers are covered for the replacement cost of items if they are replaced. Otherwise, coverage is for the actual cash value of the item at the time of loss. This benefit pays in excess of any coverage provided by the common carrier. For additional information about insurance, call Diners Club Customer Service at 1-866-865-2617 or 416-977-7743.

Delayed Baggage Insurance will reimburse for the actual cost of replacing, on an emergency basis, any personal articles (e.g. clothing, hygiene and/or grooming products) or business effects (e.g., uniforms or general office supplies) contained in your checked baggage, if the checked baggage is delayed in getting to you at your scheduled destination.

Coverage is limited to the actual cost, up to $250 per claim, of replacing, on an emergency basis, any personal articles or business effects contained in your checked baggage. There is a maximum of two(2) claim(s) per twelve (12) month period. Call 1-866-865-2617 to request a claim form. You must report the claim within sixty (60) days of the incident or the claim may not be honored.

Purchase Assurance

Diners Club cardmembers can benefit from the security and safety offered through Purchase Assurance Coverage. If something you bought with your Diners Club Charge Card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage. Purchase Assurance is an insurance program. For complete program details, including coverage amounts, refer to your Diners Club Certificate of Insurance and Summary of Travel Assistance Booklet.

Extended Warranty Coverage

Extended Warranty doubles the original warranty time period and duplicates the coverage of the original manufacturer's (or U.S. store brand) warranty up to a maximum of twelve (12) months on most items you purchase. For products with multiple warranty components, each warranty time period will be duplicated up to a maximum of twelve (12) months. Should you fail to properly register the original warranty as required by manufacturer, Extended Warranty will only double the actual warranty time period that you received from the manufacturer. For complete program details, including coverage amounts, refer to your Diners Club Certificate of Insurance and Summary of Travel Assistance Booklet.

Information, Forms and Agreements:

Travel accident insurance

To make a claim please call 1-877-764-3576 to request a claim form (from outside the U.S., call collect: 904-636-3647). A dedicated representative will guide you through the process. Written notice of claim must be given to the Company within 90 days after the occurrence of any covered loss, or as soon thereafter as is reasonably possible.

Primary collision damage insurance claim

If you have any questions about how to file a claim for Primary Collision Damage Waiver, please contact Diners Club® Benefits Assistance Center at 1-877-764-3576 (from outside the U.S. call collect: 1-904-636-3647).

Claim forms and instructions for filing will be furnished upon request. Claims must be reported within 30 days from the loss/accident and the following documentation must be submitted within 180 days of the loss/accident:

  • Complete and sign the claim form.
  • Provide Diners Club Charge Card receipt showing the rental.
  • Provide Diners Club Charge Card statement showing the rental.
  • Provide the rental agreement (front and back).
  • Provide a copy of valid driver's license (front and back).
  • Provide a report from police verifying that the vehicle was stolen, vandalized or involved in a collision.
  • Provide an itemized repair estimate from a factory authorized collision repair facility.
  • Obtain a copy of vehicle rental agency promotion/discount, if applicable.
  • Obtain a copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
  • For Personal Effects benefits:
    • Provide a report from police listing items stolen.
    • Obtain a copy of the declarations page of any applicable insurance or protection (including, but not limited to, homeowner's, renter's or auto insurance policy).
    • Provide a photograph clearly showing damage, if applicable.
  • Any other documentation that may be reasonably requested to validate a claim.

Damaged luggage coverage

Call 1-877-764-3576 (from outside the U.S., call collect: 1-904-636-3647). Claim forms and instructions for filing will be furnished upon request.

Note that the Diners Club® program pays in excess of the carrier's payment on lost, damaged or stolen luggage.


Designation of Beneficiary Form

Carte Blanche Card Terms and Conditions

Diners Club Card Terms and Conditions

All insurance coverages are underwritten and administered by third parties. Certain terms, conditions and limitations apply. Travel Accident Insurance is underwritten and provided by Federal Insurance Company, a member of the Chubb Group of Insurance Companies. This is only a brief description of the coverage available under policy series C12195DBG. The Policy contains limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there is any conflict between this document and the Policy, the Policy will govern in all cases. Primary Collision Damage Waiver insurance is available worldwide, except in certain places where prohibited by law or local agency practice. Primary Collision Damage Waiver is provided for rental cars with an MSRP not to exceed $100,000 USD car rental insurance usa the Diners Club Carte Blanche Card, $75,000 USD for the Diners Club Charge Card, and $50,000 USD for the Diners Club Credit Card. See applicable Terms and Conditions above for details, or call 1-866-865-2617 Toll Free.

Источник: https://www.dinersclubus.com/home/professional-cards/profcards-l2/diners-club-card/insurance

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COMMERCIAL AUTO LIABILITY

Bodily Injury and Property Damage Liability

Even the safest drivers suffer mishaps. Bodily injury and property damage coverages can compensate those injured in an accident involving an insured vehicle, or pay for damages to another vehicle.

We can accommodate your auto rental business' needs with up to $1 million Combined Single Limit (CSL) in bodily injury and property damage coverage.

The following liability coverages are also available, where applicable:

  • Personal Injury Protection (PIP)
  • Uninsured Motorist Coverage (UM)
  • Underinsured Motorist Coverage (UIM)

Physical Damage (Comprehensive & Collision)

When one of your rental cars is involved in an accident, our physical damage coverage will quickly get it back on the road into money-making service.

Physical damage coverage includes:

  • Collision — Covers repairs or replacement to your insured vehicle resulting from an accident car rental insurance usa other vehicles or stationary objects
  • Comprehensive — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils

We offer a variety of deductibles starting at $1,000.

GENERAL LIABILITY

General liability coverage protects other critical components of your business, including your facility, office areas, parking areas, outside storage facilities and vacant land. We offer a wide range of coverage and limit options, and can help you decide what's best for your business.

Источник: https://www.lancerinsurance.com/auto-rental

Best credit cards for rental car coverage

Update: Some offers mentioned below are no longer available. View the current offers here.

Editor’s note: This is a recurring post, regularly updated with new information.


When you pick up a rental car, the rental agency may confront you with a confusing list of car insurance add-ons and protections available for purchase. And although it might seem like a good idea to buy rental car insurance, you might not need to. After all, some of the best travel rewards cards provide car rental coverage that may let you skip the rental company’s collision damage waiver (CDW).

In particular, some of the top rewards cards automatically offer a CDW when you pay for your car rental with your card. This waiver can cover the rental car if you’re in an accident or if it’s stolen or damaged. So, today I’ll discuss the best cards that provide car rental coverage and answer some common questions regarding this benefit.

Get the latest points, miles and travel news by signing up for TPG’s free daily newsletter.

The best credit cards for rental car coverage

These cards offer primary car rental coverage on most rentals. This guide focuses on cards that provide primary coverage and discusses the difference between primary and secondary coverage. I’ll also highlight a few low- or no-annual-fee cards that offer secondary car rental coverage near the end of this guide.

Related: The ‘car rental apocalypse’: Why renting a car is challenging in 2021

In This Post

Primary vs. secondary car rental coverage

Mustang GT rental car hertz

Some travel rewards cards provide a primary or secondary auto rental collision damage waiver. And some business credit cards provide secondary coverage when you’re renting a vehicle in your country of residence for personal reasons. However, secondary coverage only kicks in after your car insurance and any other types of insurance, such as travel insurance.

So, if you are in an accident in a rental car and you paid for the rental with a card that provides secondary coverage, you’ll likely need to file claims with multiple insurance companies. Primary coverage, on the other hand, applies before any other type of insurance. So, with primary coverage, you’d only need to file one claim.

Both types of coverage usually have a published maximum, so make sure it meets or exceeds the total value of the car you’re renting. Generally, primary insurance will reimburse you for the rental car’s cash value or the cost to repair it, whichever is less. However, secondary insurance will only reimburse you for the amount not covered by any other insurance policies.

Most secondary policies on credit cards automatically become primary coverage in two common scenarios. First, if you’re renting a car outside the U.S. and your car insurance policy doesn’t cover you in that country, the CDW from that card may become primary. Second, if you don’t own a car and don’t carry a car insurance policy, most secondary coverage offered by credit cards will become primary.

Related: 11 common rental car mistakes — and how to avoid them

What’s covered (and what’s not)

(Photo by @brittneyborowski via Twenty20)

The auto rental collision damage waiver benefit provides reimbursement for damage due to collision or theft, up to the actual cash value of most vehicles. Usually, the CDW only covers physical damage or theft of the rental vehicle. Some cards also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility.

To be covered by a credit card CDW, you must decline the rental car rental insurance usa CDW or similar provision. You may also need to refuse other car rental insurance usa of insurance that the car rental company offers you. And it’s important to remember that some rental vehicles may not be eligible for coverage. In particular, it’s essential to keep the following provisions in mind if you rely upon these benefits:

Liability insurance isn’t included

Although the collision damage waiver provided by your credit card may cover damage to your rental car, it won’t take care of any damage you cause to other vehicles and personal property. And the credit card CDW typically does not cover injuries to you, your passengers or pedestrians involved in the accident. Your car insurance policy may kick in here, but it’s a good idea to check your policy or call your provider to confirm.

If you don’t own a car, consider purchasing non-owner car insurance. Many insurance companies offer this type of insurance, but they don’t always advertise this coverage online. It’s worth pricing out policies with several companies, as I’ve found prices tend to vary greatly.

Related: How to never pay full price for a rental car

Not all car types are covered

RV by a lake

If you stick to the standard categories of car rentals such as compact, intermediate and full size, your credit card’s car rental policy should apply. However, most policies exclude specialty-class vehicles, including large passenger vans, pickup trucks, antique vehicles and motorcycles. In addition, many policies exclude leases and micro-leases. And most policies exclude rentals through person-to-person car-sharing companies such as Turo.

Related: Are Turo car rentals covered by credit card insurance?

There’s a limit on the number of days

Many readers likely stick to short car rental periods for trips. But if you need a car rental for multiple months, your credit card coverage typically won’t apply.

Related: Can’t find a car rental? Here are 7 secrets that may help

Some countries are excluded

Although the exact list of excluded countries varies from card to card and issuer to issuer, the most common exceptions I’ve noticed are Australia, Israel, Italy, Ireland, Jamaica, Northern Ireland and New Zealand. Regardless of where you’re traveling, it’s best to call the customer service number on the back of your card to ensure your destination is covered when renting a car outside the United States.

Related: Why renting a car may now be the most challenging part of your journey

Ensure your rental is eligible

(Photo by Hero Images / Getty Images)

It’s essential that you read your card’s policy carefully to understand what is and isn’t covered. If you have any doubts about your coverage, you can call the customer service number on the back of your card. Doing so will allow you to get more information and confirm that your policy covers your rental vehicle type in the country you’ll be visiting.

Related: How I saved nearly $250 on a one-day car rental by taking a $110 Uber ride

Top cards with primary car rental coverage

This section will discuss some of the best credit cards that offer primary car rental coverage when you use your card to pay for the entire rental. Note that this isn’t an exhaustive list, so you may find other cards that also offer primary coverage. In particular, I’ve excluded cards that offer primary car rental coverage for current cardholders but aren’t currently accepting applications.

Chase Sapphire Reserve and Chase Sapphire Preferred Card

The Chase Sapphire Reserve and Chase Sapphire Preferred both provide primary car rental coverage for rentals in most countries. In addition, these cards offer coverage for rentals of up to 31 consecutive days. In particular, this policy covers losses, including physical damage and theft of the rental vehicle, valid loss-of-use charges assessed by the rental company and reasonable and customary towing charges related to a covered loss.

The details of the policies vary slightly between the two cards, though. So, be sure to read the commercebank com checks to benefits for full details at the following links:

Related: Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

The Chase Sapphire Reserve is one of the hottest premium travel rewards credit cards on the market despite its $550 annual fee. It currently offers a sign-up bonus of 50,000 points after you spend $4,000 on purchases in the first three months from account opening. After that, you’ll earn 3x Chase Ultimate Rewards points on travel and dining purchases. Plus, the Chase Sapphire Reserve gives you access to great perks like a $300 annual travel credit, Priority Pass Select membership, travel protections and an up-to-$100 application fee credit for Global Entry or TSA PreCheck. See the full Chase Sapphire Reserve credit card review for more details.

Official application link: Chase Sapphire Reserve

Meanwhile, the Chase Sapphire Preferred Card is easily one of the best travel rewards cards with a sub-$100 annual fee. The Chase Sapphire Preferred currently offers a better sign-up bonus of 60,000 points when you spend $4,000 on purchases in the first three months from account opening. In addition, the Chase Sapphire Preferred offers 2x points on travel and 3x points on dining. See the full Chase Sapphire Preferred credit card review to learn more.

Official application link: Chase Sapphire Preferred

Ink Business cards

The Ink Business cards — Ink Business Preferred Credit Card, Ink Business Cash Credit Card and Ink Business Unlimited Credit Card — offer primary coverage for most types of vehicles. The coverage provides reimbursement up to the vehicle’s actual cash value for charges related to physical damage or theft of the rental vehicle, valid loss-of-use charges assessed by the rental company and reasonable and customary towing charges.

Note that you’ll only be covered by primary coverage while renting primarily for business purposes, renting outside your country of residence for personal reasons or if you do not have automobile insurance. Conversely, if you are renting for personal reasons in your country of residence and have automobile insurance, you’ll only get secondary coverage.

Related: Your guide to the Chase Ink Business credit cards

The Ink Business Preferred Card is currently offering a sign-up bonus of 100,000 bonus points after you spend $15,000 on purchases in the first three months from account opening. With this card, you’ll earn 3x points on travel, shipping purchases, internet/cable/phone services and advertising purchases made with social media sites and search engines (on up to $150,000 in combined purchases each account anniversary year) and 1x points on everything else. This card has a $95 annual fee. See the Chase Ink Business Preferred credit card review for more details.

Official application link: Ink Business Preferred

The Ink Business Cash Card currently offers $750 cash back after you spend $7,500 on purchases in the first three months from account opening. You’ll earn 5% cash back per dollar spent at office supply stores and on internet, cable and phone services (on up to $25,000 in combined purchases each account anniversary year). You’ll also earn 2% cash back per dollar spent at gas stations and restaurants (again capped at $25,000 annually) and 1% cash back on all other purchases.

You can combine these earnings with other eligible Chase cards to essentially convert them to Ultimate Rewards points. Unfortunately, the Ink Cash charges a 3% foreign transaction fee but doesn’t charge an annual fee. See the full Chase Ink Business Cash credit card review for more information.

Official application link: Ink Business Cash

The Ink Business Unlimited Card currently offers $750 cash back after you spend $7,500 on purchases in the first three months from account opening. And earning is straightforward: You’ll earn 1.5% cash back on all purchases. As with the Ink Business Cash, you can convert car rental insurance usa earnings to Ultimate Rewards points if you hold a card that earns Ultimate Rewards. In addition, there’s a 3% fee for foreign transactions but no annual fee. See the full Chase Ink Business Unlimited credit card review to learn more.

Official application link: Ink Business Unlimited

United Airlines cards

Polaris business class seat

As mentioned above, the following four currently available United credit cards offer primary car rental coverage when you decline the rental company’s collision insurance and charge the entire rental cost to your card. This coverage provides reimbursement up to the vehicle’s actual cash value for theft and collision damage for most rental cars in the U.S. and abroad.

Related: 4 reasons someone in your family needs a United credit card

Here’s a bit more about each of these cards.

The United Explorer Card currently offers 60,000 bonus miles after you spend $3,000 on purchases in the first three months of account opening. You’ll earn 2x United miles on United purchases, dining and hotel stays when booked directly with the hotel. This card has a $95 annual fee that’s waived your first year. See the full United Explorer credit card review for more details.

Official application link: United Explorer Card

The United Quest Card currently offers 80,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open. You’ll earn 3x miles on United purchases (immediately after earning your $125 annual United purchase credit) and 2x miles on all other travel, dining and select streaming services. The card has a $250 annual fee. See our post about who should (and shouldn’t) get the United Quest card for more details.

Official application link: United Quest Card

The United Club Infinite Card currently offers 100,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open. You’ll earn 4x miles on United purchases and 2x miles on dining and all other travel. The card has a $525 annual fee. See the full United Club Infinite credit card review for more details.

Official application link: United Club Infinite Card

The United Business Card currently offers 75,000 bonus miles after you spend $5,000 on purchases in the first three months of account opening. You’ll earn 2x miles on United purchases, at gas stations, at restaurants, at office supply stores and on local transit and commuting. The card has a $99 annual fee, waived the first year. See the full United Business credit card review for more details.

Official application link: United Business Card

Capital One Spark Business cards

Woman withdrawing money from ATM

Two cards in the Capital One Spark family of business cards — the Capital One Spark Cash for Business and the Capital One Spark Miles for Business — offer a primary auto rental CDW when you rent a vehicle for commercial or business purposes. And you’ll get secondary coverage when renting for personal reasons. The cards provide reimbursement for damage due to collision or theft, up to the actual cash value of most rentals. Coverage applies to rentals of 31 days or less. Benefits are only available to accounts approved for the Visa Signature card. Terms apply.

The current sign-up bonus for the Capital One Spark Cash for Business is a $500 cash bonus when you spend $4,500 in the first three months of account opening. You’ll earn 2% cash back on all purchases. The card has a $95 annual fee that’s waived for the first year. See the Capital One Spark Cash for Business credit card review for more information.

Official application link: Capital One Spark Cash for Business

The current sign-up bonus for the Capital One Spark Miles for Business is 50,000 bonus miles when you spend $4,500 on purchases in the first three months of account opening. You’ll earn 2x Capital One miles on all purchases. And miles can be redeemed at a fixed value of one cent each or transferred to airline partners. The card has a $95 annual fee that’s waived for the first year. See the Capital One Spark Miles for Business credit card review for more information.

Official application link: Capital One Spark Miles for Business

Top cards with secondary car rental coverage

Woman holding a car and her wallet on the street

If you don’t have a card that offers primary car rental coverage, your next best bet is a card that provides secondary coverage. Many credit cards offer secondary car rental coverage. So, I’ve only highlighted a few of my favorite options below.

American Express cards

Most American Express cards offer secondary car rental coverage. You can see the entire list of cards that offer secondary car rental protection on the American Express website. If you don’t need primary coverage, you can use one of these cards and decline the rental company’s coverage.

But, if you’re looking for primary coverage, all American Express cards offer an optional Premium Car Rental Protection policy that can be added (for a small fee) to your rental using the card. Enrollment is required for select benefits.

American Express premium car rental coverage landing page

You can add Premium Car Rental Protection to any American Express card. Here are some of the best Amex cards in terms of the return you could receive when renting a car. Note that the estimated return rate for these cards is based on TPG’s latest valuations.

The information for the Amex EveryDay Preferred card and Car rental insurance usa Aspire cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: 9 rental car rewards programs you need to know about

Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card

(Photo by Isabelle Raphael / The Points Guy)

The Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card offer auto rental CDW coverage. Coverage is secondary when you rent within your country of residence and primary when you rent outside your country of residence. However, benefits are only available to accounts approved for the Visa Signature card. Terms apply.

Related: Capital One Venture Card vs. Capital One VentureOne Card: Which one is right for you?

The Capital One Venture Rewards Credit Card currently offers 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening. You’ll earn 2x Capital One miles on all purchases and the card has a $95 annual fee. See the full Capital One Venture credit card review for more details.

Official application link: Capital One Venture Rewards Credit Card

The Capital One VentureOne Rewards Credit Card currently offers 20,000 bonus miles once you spend $500 on purchases within the first three months from account opening. You’ll earn 1.25x miles on all purchases. The card has no annual fee. See the full Capital One VentureOne credit card review for more car rental insurance usa application link: Capital One VentureOne Rewards Credit Card

Chase Freedom Flex and Chase Freedom Unlimited

Woman holding a wallet

If you’re looking for a no-annual-fee card that offers secondary car rental insurance, the Chase Freedom Flex or Chase Freedom Unlimited might be a good pick. These cards provide coverage for theft and collision damage for most cars in the U.S. and abroad. Coverage within your country of residence is secondary, but coverage outside your country of residence is primary.

Both cards offer a sign-up bonus of $200 cash back after spending $500 on purchases in the first three months from account opening. The Chase Freedom Flex has rotating 5% bonus categories (on up to $1,500 spent on purchases each quarter you activate), while the Chase Freedom Unlimited earns at least 1.5% on all purchases.

Although neither card has an annual fee, both cards charge a 3% foreign transaction fee. See the Chase Freedom Flex credit card review and Chase Freedom Unlimited credit card review for more information.

Related: Credit card showdown: Chase Freedom Flex vs. Chase Freedom Unlimited

Bottom line

Many consumers focus on the number of points they can earn and then redeem when choosing a new travel rewards card. But, credit card travel protections can come in handy on the road. In particular, credit card car rental coverage can provide significant value.

However, it’s essential to review the details of your card’s policy to understand what is (and isn’t) covered. For example, don’t assume that you’re covered for every possible mishap when you pay for a car rental with a card that offers car rental coverage, as many exceptions and exclusions apply. And keep in mind that credit cards rarely provide liability insurance or coverage for peer-to-peer rentals.

For rates and fees of the Hilton Aspire Card, please click here.
For rates and fees of the Blue Business Plus Car rental insurance usa, please click here.

Featured photo by EMS FORSTER PRODUCTIONS/Getty Images.

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Katie Genter is a location independent digital nomad who has traveled how to cancel walmart pickup order since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
Источник: https://thepointsguy.com/guide/cards-rental-car-coverage/

Renting a Car in the USA – What Insurance Do I Need?

The USA is designed to be explored behind the wheel. The freedom to hit the highway on an epic road trip or explore your chosen destination independently makes renting a car in the USA a popular choice. However, getting behind the wheel of the car in the USA is not only a cultural experience but adds a certain amount of responsibility. As a foreigner renting a car in the USA it is important to know you are covered should the worst happen.

Insurance options when renting a car in the USA as a foreigner is like stepping into the wild west. There is no clear law or set of guidelines that will keep you protected. A patchwork of insurances and waivers combine to cover you from damages and theft to personal and third party injury. It is important to know what you actually need in advance rather than be bamboozled into paying for what you don’t need at the rental counter.

I know most people would rather stick pins under their fingernails rather than read pages of insurance fine print. So this step by step guide should keep you better informed, better protected and also save some money. You can then sit behind the wheel with the confidence you are covered.

Disclaimer: This is provided as general advice and I encourage you to check the specific policies you take out relevant to your personal circumstances. This information simply comes from my own personal experience and research. 

Having a valid driving licence and permit

First things first, you need to check you are eligible and covered to drive a car in the US. Most national rental companies in the USA (think Alamo, National, Thrifty, Hertz, etc) will rent a car to someone over the age of 25 with a license from their home country. Smaller independent rental companies may have some issues with foreign licences. But, for the most part, to drive a car, this is all you technically need.

However, even though the rental company hands you the keys doesn’t mean you’re officially licensed. The police may wish to see more than just your foreign license. Also, to ensure you are covered medically in an accident where you are the driver at fault, most travel insurance policies require you to be licensed for the vehicle you are driving in both your home country AND also in the USA.

Apart from sitting a driving test in the USA (much too complex for short visits), the only other thing that will extend your driving license to the USA is an International Driving Permit (IDP). I was sceptical of these for years until I read the fine print on my travel insurance policy. For instance, if you are hiring a motorbike or scooter in the USA you also must have a motorcycle license in your home country.

International Driving Permit

An International Driving Permit (IDP). Required to ensure eligibility to drive internationally and keep your travel insurance valid.

Step 1

Obtain an International Driving Permit (IDP) from your home country before you leave. Contact the government agency that issues your regular driving licence for information on how to get one.

Travel Insurance & Car Rental

Getting travel insurance is almost essential for travel to the USA regardless if you are are driving or not. In terms of car rentals though, travel insurance really only comes into play to cover your own personal medical expenses in case of an accident. Still, there are a few other minor covers to check, including:

  • Excess coverage (known in the US as the deductible) on Loss or Damage Waivers (LDW). The cover is usually between $3000-$5,000. Note: you will actually have to take out an LDW for this to apply!
  • Return of your rental car in cases you are physically unable (cover for around $500); and
  • Personal effects in the vehicle from damage or theft (any high-value items will need to be called out separately).

Step 2

Get travel insurance before you leave home and make a note regarding what is specifics are covered in relation to rental cars. It will almost always include cover for medical (ideally unlimited) but check for LDW/CDW excess, rental car return and personal belongings. Do this before you rent your car.

Loss or Damage Waiver (LDW)

What is it?

A major moneymaker for car car rental insurance usa companies is the Loss or Damage Waiver (LDW) or Collision and Damage Waiver (CDW). The waiver isn’t insurance as such but it prevents the car rental company from chasing you for payment to replace or repair of the car should it get stolen or damaged. The cost of the LDW through the rental company is almost triple the cost than if you get this separately ahead of time. Instead of paying an additional $30-40 per day for this you can easily pay just $10 a day by planning ahead.

How do you get it?

Car rental aggregators (think Expedia, Priceline, Kayak etc) all offer the LDW as an add-on service when you book online. So compare rates across all of these and other insurers (this is usually between $8-$12 per day) and also check how they calculate ‘days’. Some count days the same as your rental period, others charge based on calendar days, meaning a 5-day car rental could require 6 calendar days of cover. The actual waiver is provided by an insurance company, not the aggregator site, nor the rental company. Some credit cards claim to provide LDW coverage. Check the fine print very carefully (refer to the specific credit cards section below).

When will you need it?

You will need to use the LDW whenever you cause damage to the car or if it gets stolen. Make sure you have the contact details and policy number of the actual provider of the LDW close to hand. You may need this when you pick up the car and if you need to make a claim. Remember, your travel insurance may already cover the excess (deductible).  If it does, you can perhaps get a cheaper daily rate in exchange for a higher excess.

Step 3

Obtain a Loss or Damage Waiver (LDW) online that is relevant in the USA prior to picking up your rental car.

Supplemental Liability Coverage

Supplementary Liability Coverage, as the name suggests, is additional. For a registered car rental company in the US, they must provide a minimum level of liability protection for cars they rent out. This will partly cover people injured and property damaged as a result of an accident you cause, up to a certain limit. The amount of cover provided by the rental company is the minimum required by law in each state (it varies greatly but on average about $80K) so it may not be enough to cover all costs in a major accident. See a list of the minimum personal liability coverage by state.

To be completely protected, supplemental liability coverage will provide this, often up to a $1 million. As a foreigner, this insurance is only available through the car rental company directly and costs an additional $15 per day on average.

Your travel insurance will not cover Personal Liability for a rental car!

It is important to be aware that your travel insurance DOES NOT cover personal liability insurance for car rental accidents where you are the driver at fault. This is a little-known fact and normally hidden deep within the fine print. Look for the clause surrounding personal liability. It will usually have a statement saying personal liability insurance excludes situations where you are in charge of a ‘motorised vehicle’. This broadly means rental cars.

travel insurance personal liability clause

A travel insurance clause relating to personal liability. Not that cover does not extend to ‘motorised vehicles’.

Supplemental liability coverage is a personal choice and probably the most difficult decision on cost vs benefit. You are covered to a point but having the supplemental coverage might be a good idea in the US when medical and liability costs could be extremely high. You are also driving in unfamiliar territory, potentially on the opposite side of the road and with a few new road rules to master.

Step 4

Check the minimum liability coverage by state and assess if this is enough to give you comfort. If not, add this insurance with the rental company either before you pick up the car of at the rental counter.

Personal accident insurance

This cover protects the driver in terms of their own medical expenses in the event of an accident. This is mainly designed for US citizens that don’t have personal health insurance. Cover usually costs about $7 per day and is sometimes combined with personal effects insurance. As a foreign tourist, your personal travel insurance should cover you for this.

Step 5

As a foreigner, as in step 2, make sure you have travel insurance that covers medical expenses in the USA.

Personal effects insurance

This covers your luggage and equipment in the vehicle from theft or damage and is usually bundled with personal accident insurance (see above). As a foreigner travelling the USA with travel insurance, your travel insurance policy should cover most items. If you want to cover high-value items, it is better adding these items to your travel insurance policy for your entire trip rather than taking out personal effects insurance just with the car rental.

Step 6

As in Step 2, check sign in cash net usa have travel insurance covering your most valuable personal items.

Roadside assistance

For breakdowns, lost key replacement, or if you run out of fuel the rental company will offer you coverage for coming to your rescue at no cost. This may give you peace of mind, although the likelihood of this occurring is low, plus the rental company will still come to your rescue, they will just charge you a fee. Unless you are known for losing keys, running out of fuel etc you can probably run the risk of not getting this and simply wear the cost should this occur.

Step 7

Decide if you want roadside assistance.

What about credit card insurances?

Credit card companies are good at one thing, selling credit cards! Travel insurance and car rental insurance are often thrown in the marketing collateral to entice you to in. Before relying on insurance provided by your credit card company check the fine print VERY carefully.

You usually need to pay for the bulk of your trip using the relevant credit card to validate the travel insurance policy. The car rental insurance rarely extends to the US and if it does it will likely only apply to the Loss and Damage Waiver.

Step 8

Carefully check your credit cards insurance cover in terms of eligibility and coverage. If you are certain you will be covered, check what is covered from the above so you know what else you need. Obtain a policy number from the insurance provider associated with the card and get a contact number specific for insurance claims to call in an emergency.

Summary of Insurance Cover for Renting a Car in the USA

renting car usa insurance needed

A visualisation of insurance cover for renting a car in the USA.

Final Tips for Renting a Car in the USA

  • Return the car full of fuel. Plan this into your trip so you are not struggling to find a gas station at the last minute! Also, if you weren’t aware, the fuel gauge on the car has an arrow which tells you what side you fill up on. Saves that newbie embarrassment at the pump!
  • Foreign credit cards are not accepted to pay for fuel at the pump (requires a local postcode linked to the card) so you need to pay for fuel in advance at the counter, then return to get a refund if you don’t use up all the credit.
  • Don’t drink and drive. The legal alcohol limit nationwide is 0.08% Blood Alcohol Content (BAC). All insurances are void if you are over this and you might quickly become a guest of the local state penitentiary.
  • Use your smartphone for navigation, if you don’t have a data connection, download the map of area you want to travel in while you have wifi. When on the road the GPS signal will still work meaning you can navigate without data.
  • Drive on the right (obviously!) and keep right unless overtaking.

Ok, you’re all set! The above steps should have you on the straight and narrow when you are renting a car in the USA. Enjoy the open highway and post any other USA driving or car rental tips you might have in the comments below.

Tags
road trip, The Americas, travel hacks, travel insurance

Источник: https://www.slingadventures.com/destinations/usa/renting-a-car-in-the-usa-what-insurance-do-i-need

Car-Rental Insurance and the Collision Damage Waiver (CDW)

By Rick Steves

When you rent a car, you can be liable for a very high deductible, sometimes equal to the entire value of the car. Fortunately, there's usually more than one way to limit your financial risk in case of an accident.

Baseline rates for European rentals nearly always include liability coverage — for accident-related damage to anyone or anything outside the car. (The company may offer additional liability insurance, but I wouldn't buy this without some extenuating reason.)

It's (usually) up to you, however, to decide how to cover the risk of damage to or theft of the car itself. You have three main options:

  • Buy a "collision damage waiver" (CDW) through the car-rental company (easiest but most expensive),
  • Use your credit card's coverage (cheapest), or
  • Get collision insurance as part of a larger travel-insurance policy.

If you're renting in either Ireland or Italy, you'll have little choice but to buy the company's CDW. If you need a car for at least three weeks, you're probably better off leasing, which includes zero-deductible collision and theft insurance (and is tax-free to boot).

Note that theft insurance covers just the loss of the barry h berke itself, not anything stolen from inside it (see my tips on protecting your car from thieves).

Car-Rental Company CDW

The simplest solution is to buy a CDW supplement from the car-rental company. This coverage technically isn't insurance — it's a waiver: The car-rental company waives its right to collect a high deductible from you in the event the car is damaged. Note that this "waiver" doesn't actually eliminate the deductible, but just reduces it. CDW covers most of the car if you're in a collision, but usually excludes the undercarriage, roof, tires, windshield, windows, interior, and side mirrors.

CDW generally costs $15–30 a day (figure roughly 30–40 percent extra). Sometimes the CDW charge itself is a little less when combined with theft/loss insurance as part of an inclusive rental rate — and it's often cheaper to pay for this kind of coverage when you book than when you pick up the car.

When purchasing CDW, the deductibles can still be substantial, with most hovering at about $1,000–1,500 (or more, depending on the car type). Most rental companies also offer a second tier of coverage, called "super CDW" or "zero-deductible coverage" to buy down the deductible to zero or near zero (if you didn't opt for this when booking from home, expect to hear a sales pitch from the counter agent). This is pricey — figure an additional $10–30 per day — but, for some travelers, the peace of mind is worth it. There's a huge comfort in knowing you can bring your car back in an unrecognizable shamble and say, "Sorry, I'm new in this country."

When comparing rental options online, beware that some European rental agencies quote "basic" rates that include CDW/theft coverage. (In this case, it's not an optional extra, so you can't decline it.) If these CDW-inclusive rates seem too good to be true, they probably are: The unwaived deductible is almost certainly high (expect $2,000–3,000), so you'll have to spend extra to buy the "super CDW" anyway to get the deductible down to a reasonable level.

Given these costs, the alternatives to paying for the rental company's CDW are worth considering: credit-card coverage or collision coverage through your travel-insurance provider.

Credit-Card Coverage

Car-company CDW surcharges can seem like a racket when you consider that most American credit cards already include collision coverage. By paying with the right credit card, you get zero-deductible collision coverage (comparable to "super" CDW)…likely for free. In other words, if your car is damaged or stolen, car rental insurance usa credit card will cover whatever costs you're liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW. But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option.

To make this work, first double-check that your credit card does indeed offer this coverage (Visa, MasterCard, and American Express usually do — but not Discover). Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Ask in which countries it is applicable, which parts of the car (if any) are excluded, the types of vehicles that are eligible, whether it covers theft/loss, the maximum reimbursement allowed (if it's less than the price of the car, the rental company may require you to buy their CDW), and the maximum number of rental days covered (often 30 or 31 days; if your rental period exceeds that number, your card won't cover any of the rental). Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe.

Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. (In other words, if you buy CDW that comes with a $1,000 deductible, your credit card will not cover that deductible.) This may also be the case if you book and prepay for a rental that already includes CDW and/or theft coverage — don't sign any rental contract until you're sure that by doing so you're not accidentally accepting the rental company's coverage.

A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage (up to the deductible amount) or, if the vehicle is stolen, the value of the deductible associated with theft. It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. You'll need to submit the police report and the car-rental company's accident report. (When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.)

Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible (which can equal the cost of the car). Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. (Consider bringing two credit cards — one for the rental car, the other for everything else.) If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW.

Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move (all the more reason to have hard-copy proof of your credit-card coverage on hand). Regions financial stock split be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage. By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW.

Collision Coverage Through Your Travel-Insurance Provider

If you're already purchasing a travel-insurance policy for your trip, adding collision coverage is an option. Travel Guard, for example, sells affordable renter's collision insurance as an add-on to its other policies. It's valid everywhere in Europe except the Republic of Ireland, and some Italian car-rental companies refuse to honor it.

If you do go with an insurer's comprehensive travel coverage, be sure to add the insurance company's name to your rental agreement when you pick up the car.

Источник: https://www.ricksteves.com/travel-tips/transportation/car-rental-cdw
car rental insurance usa

Car rental insurance usa -

> Learn More


COMMERCIAL AUTO LIABILITY

Bodily Injury and Property Damage Liability

Even the safest drivers suffer mishaps. Bodily injury and property damage coverages can compensate those injured in an accident involving an insured vehicle, or pay for damages to another vehicle.

We can accommodate your auto rental business' needs with up to $1 million Combined Single Limit (CSL) in bodily injury and property damage coverage.

The following liability coverages are also available, where applicable:

  • Personal Injury Protection (PIP)
  • Uninsured Motorist Coverage (UM)
  • Underinsured Motorist Coverage (UIM)

Physical Damage (Comprehensive & Collision)

When one of your rental cars is involved in an accident, our physical damage coverage will quickly get it back on the road into money-making service.

Physical damage coverage includes:

  • Collision — Covers repairs or replacement to your insured vehicle resulting from an accident involving other vehicles or stationary objects
  • Comprehensive — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils

We offer a variety of deductibles starting at $1,000.

GENERAL LIABILITY

General liability coverage protects other critical components of your business, including your facility, office areas, parking areas, outside storage facilities and vacant land. We offer a wide range of coverage and limit options, and can help you decide what's best for your business.

Источник: https://www.lancerinsurance.com/auto-rental

Car-Rental Insurance and the Collision Damage Waiver (CDW)

By Rick Steves

When you rent a car, you can be liable for a very high deductible, sometimes equal to the entire value of the car. Fortunately, there's usually more than one way to limit your financial risk in case of an accident.

Baseline rates for European rentals nearly always include liability coverage — for accident-related damage to anyone or anything outside the car. (The company may offer additional liability insurance, but I wouldn't buy this without some extenuating reason.)

It's (usually) up to you, however, to decide how to cover the risk of damage to or theft of the car itself. You have three main options:

  • Buy a "collision damage waiver" (CDW) through the car-rental company (easiest but most expensive),
  • Use your credit card's coverage (cheapest), or
  • Get collision insurance as part of a larger travel-insurance policy.

If you're renting in either Ireland or Italy, you'll have little choice but to buy the company's CDW. If you need a car for at least three weeks, you're probably better off leasing, which includes zero-deductible collision and theft insurance (and is tax-free to boot).

Note that theft insurance covers just the loss of the car itself, not anything stolen from inside it (see my tips on protecting your car from thieves).

Car-Rental Company CDW

The simplest solution is to buy a CDW supplement from the car-rental company. This coverage technically isn't insurance — it's a waiver: The car-rental company waives its right to collect a high deductible from you in the event the car is damaged. Note that this "waiver" doesn't actually eliminate the deductible, but just reduces it. CDW covers most of the car if you're in a collision, but usually excludes the undercarriage, roof, tires, windshield, windows, interior, and side mirrors.

CDW generally costs $15–30 a day (figure roughly 30–40 percent extra). Sometimes the CDW charge itself is a little less when combined with theft/loss insurance as part of an inclusive rental rate — and it's often cheaper to pay for this kind of coverage when you book than when you pick up the car.

When purchasing CDW, the deductibles can still be substantial, with most hovering at about $1,000–1,500 (or more, depending on the car type). Most rental companies also offer a second tier of coverage, called "super CDW" or "zero-deductible coverage" to buy down the deductible to zero or near zero (if you didn't opt for this when booking from home, expect to hear a sales pitch from the counter agent). This is pricey — figure an additional $10–30 per day — but, for some travelers, the peace of mind is worth it. There's a huge comfort in knowing you can bring your car back in an unrecognizable shamble and say, "Sorry, I'm new in this country."

When comparing rental options online, beware that some European rental agencies quote "basic" rates that include CDW/theft coverage. (In this case, it's not an optional extra, so you can't decline it.) If these CDW-inclusive rates seem too good to be true, they probably are: The unwaived deductible is almost certainly high (expect $2,000–3,000), so you'll have to spend extra to buy the "super CDW" anyway to get the deductible down to a reasonable level.

Given these costs, the alternatives to paying for the rental company's CDW are worth considering: credit-card coverage or collision coverage through your travel-insurance provider.

Credit-Card Coverage

Car-company CDW surcharges can seem like a racket when you consider that most American credit cards already include collision coverage. By paying with the right credit card, you get zero-deductible collision coverage (comparable to "super" CDW)…likely for free. In other words, if your car is damaged or stolen, your credit card will cover whatever costs you're liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW. But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option.

To make this work, first double-check that your credit card does indeed offer this coverage (Visa, MasterCard, and American Express usually do — but not Discover). Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Ask in which countries it is applicable, which parts of the car (if any) are excluded, the types of vehicles that are eligible, whether it covers theft/loss, the maximum reimbursement allowed (if it's less than the price of the car, the rental company may require you to buy their CDW), and the maximum number of rental days covered (often 30 or 31 days; if your rental period exceeds that number, your card won't cover any of the rental). Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe.

Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. (In other words, if you buy CDW that comes with a $1,000 deductible, your credit card will not cover that deductible.) This may also be the case if you book and prepay for a rental that already includes CDW and/or theft coverage — don't sign any rental contract until you're sure that by doing so you're not accidentally accepting the rental company's coverage.

A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage (up to the deductible amount) or, if the vehicle is stolen, the value of the deductible associated with theft. It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. You'll need to submit the police report and the car-rental company's accident report. (When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.)

Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible (which can equal the cost of the car). Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. (Consider bringing two credit cards — one for the rental car, the other for everything else.) If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW.

Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move (all the more reason to have hard-copy proof of your credit-card coverage on hand). Don't be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage. By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW.

Collision Coverage Through Your Travel-Insurance Provider

If you're already purchasing a travel-insurance policy for your trip, adding collision coverage is an option. Travel Guard, for example, sells affordable renter's collision insurance as an add-on to its other policies. It's valid everywhere in Europe except the Republic of Ireland, and some Italian car-rental companies refuse to honor it.

If you do go with an insurer's comprehensive travel coverage, be sure to add the insurance company's name to your rental agreement when you pick up the car.

Источник: https://www.ricksteves.com/travel-tips/transportation/car-rental-cdw

Rental Car Insurance in Hawaii

Rental car insurance is a package of insurance products that protects you from financial risks that might occur if you are involved in an accident while driving a rental vehicle. This insurance is broken down into individual items you may or may not need to purchase before you begin a car rental contract.

Some insurance products may already be included in your own private car insurance, your home insurance, your credit card, or other sources you may already have.

It is always up to the client renting the vehicle to ensure that they have enough insurance coverage. Auto insurance can be purchased from the car rental company, from a third party insurer of your own choice, or through your own policy or credit cards.

Hawaii Rental Car Insurance Laws

Hawaii is considered a “no fault state” which means the motor vehicle insurance provider will pay the bills for injuries to you and your passengers up to the limit of the coverage you purchased regardless of who was at fault. The injured can not sue the at fault party unless the injuries are considered catastrophic.

Personal liability, required by law in Hawaii, is required by law. Each car rental company has added the minimum liability to each of their rental cars, but it is up to the car renter to make sure they cover beyond what the state minimum is up to where their own comfort level lies. Collision insurance is not included in your rental, and you will be responsible for making sure you are covered.

You must be operating the vehicle in a legally responsible manner, and not in violation of any agreements with the car rental company. Insurance could be invalidated if you are found to be in violation of your rental car contract.

Anyone without enough insurance coverage could find themselves with large bills to pay if they are involved in an accident.
For more information please refer to the Hawaii Department of Commerce and Consumer Affairs.

Types of Rental Car Insurance in Hawaii

Rental car insurance comes in various forms. There are four main options: loss damage waiver (LDW) collision damage waiver (SDW), personal effects coverage (PEC), personal accident insurance (PAI), and liability. These coverages are meant to protect you and your passengers, the rental vehicle, personal belongings, any injuries that might occur, or damages to another person’s property or vehicles as a result of a collision.

Please check with your personal auto insurance company before you travel to confirm if and what your personal policy will cover. You may also have coverage through your credit card company. Once you have this information, you will be ready to make an informed decision on what insurance you may need to purchase at the counter, or through a third party provider before you travel.

Loss Damage Waiver (LDW) or Collision Damage Waiver (CDW)

Loss Damage Waiver (LDW) will waive the renter's responsibility for any loss or damage to a rental vehicle as a result of theft, and collision of the rental vehicle.

Supplemental Liability Protection (SLI)

Supplemental Liability Insurance (SLI) protects you from being held liable in a collision, and provides the renter or any additional authorized driver as listed in the Rental Agreement, with automobile liability coverage against third party claims for bodily injury, death, and property damage resulting from an automobile accident. SLI does not provide coverage for uninsured and underinsured motorist protection.

Personal Accident Insurance (PAI)

PAI (Personal Accident Insurance) provides the renter and passengers with medical and death benefits in the event of an accident. Coverages are capped at various amounts depending on the rental company and rental location.

Personal Accident and Effects Insurance (PAE)

Personal Accident and Effects Insurance (PAE) provides accident, medical, death and dismemberment benefits for bodily injury resulting from an accident, and coverage for loss of or damage of personal property from the rented vehicle The coverages are capped at various amounts depending on the rental company and rental location.

Personal Effects Coverage (PEC)

Personal Effects Coverage (PEC) covers losses due to theft of belongings from the vehicle. The coverages are capped at various amounts depending on the rental company and rental location.

Roadside Assistance Plus (RSP)

Roadside Assistance Plus (RSP) contractually reduces the renter’s cost to remedy non-mechanical problems such as replacement of lost keys, flat tire service (if no inflated spare is available, the vehicle will be towed. Cost of a replacement tire is not covered by RSP), lockout service (if the keys are locked inside the vehicle)

Credit Card & Auto Coverage

Most credit cards offer collision and damage insurance, covering you for the cost of the rental vehicle if it is stolen, vandalized, damaged or lost – even if you are at fault. This credit card company insurance could save you from having to purchase optional collision damage/loss waiver from the car rental companies.

You must read the fine print carefully, as it may not cover your for longer rental terms, or certain vehicle types, such as exotics, or vehicles that hold over 8 passengers. This insurance will also be voided if you violate your rental car contract in any way. Be careful looking at all of the options, and maybe check with your credit car company if you have any questions regarding what is covered and what insurance you may still need to purchase.

Unfortunately most rental and credit card protections do not cover the rental company’s claim of Loss of Use. Leaving you liable for the vehicle’s lost earnings while under repair and vehicle depreciation.

If you own an insured vehicle you may already have some coverage. You need to check with your insurance agent what car rental coverage exists.
Another option is to look at outside travel insurance policies, if you do need additional coverage, as they may be less costly than purchasing insurance at the counter.

Things to remember

The national car rental companies in Hawaii do not require renters to purchase their renters insurance products nor to show proof of insurance. It is always up to the car renter to assure they are properly covered.

We advise that you review all your insurance coverage through your insurance company as duplicating coverage purchased from the rental company could prove to be quite expensive. There is no point in purchasing a policy at the counter and paying a large extra daily rate for insurance if you already have enough coverage. Do your homework before you travel and arrive to pick up your vehicle.

Auto insurance is not included in any car rental package for US and Canadian residents. We offer inclusive rate packages that include protection products for residents of the European Union, United Kingdom, Australia, New Zealand and Asia. We are able to show these insurance included rates for foreigners using geo-location if visiting our site from abroad. If you do not see these rates when searching, please get in touch with us, and we can guide you through the process of choosing options that could work for you.

Make sure your additional drivers will be covered under your insurance no matter which policy you are driving under. You can ask your insurance company, your credit card company etc., if this is covered.

Rental Cover

Rentalcover.com is a 3rd party supplier of insurance available to both Americans and Canadians (Except residents of Québec or any non-residents of Québec purchasing a policy while in Québec.) picking up vehicles in the USA. The coverage is valid in all 50 States.
You can purchase their collision damage coverage at the same time as your book your vehicle, This contract is between you and Rentalcover.com.
The details of what is covered are slightly different for Americans and Canadians.

AMERICANS
https://affinitytravelcert.com/document/state.jsf?req=USFRSP01

CANADIANS
https://www.rentalcover.com/pds/65V3-Z8K7-INS

If you are not comfortable with the 3rd party collision you purchased through Rentalcover, you can cancel it right up until pick up time for a full refund:

  1. TO CHANGE AN EXISTING POLICY OR CANCEL ON sign in to your Rentalcover account using your email address and Rentalcover Policy#. You can Cancel your policy here up until the DAY BEFORE PICK UP – you can also reduce or increase the days you need coverage here – if you are increasing the # of days, you will need to provide your credit card information again as they will be charging you for more days. If you are reducing the number of days – you will be refunded for the days you are removing.
  2. TO CANCEL A POLICY FROM THE CAR BOOKING CONFIRMATION EMAIL WE SEND YOU: View the confirmation email we send you with all of the details of your Car Rental, scrolling to the View Details link, and opening it. You will see your reservation details, with an option to cancel the reservation and Rentalcover or just cancel the Rentalcover. Use the Cancel Rentalcover Button, and it will cancel – right up until pick up time on the day are picking up the vehicle. This is the ONLY place on the day of pick where Rentalcover can be completely cancelled.
  3. IF YOU CHANGE THE MAIN DRIVER’S NAME – YOU MUST CHANGE IT ON RENTALCOVER AS WELL. Sign intoyour Rentalcover account as in step one, and modify the name of the driver here.

Please click here to book your RENTALCOVER.

Источник: https://www.discounthawaiicarrental.com/en-us/resources/car-rental-insurance/

International car insurance

Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

Источник: https://www.progressive.com/answers/international-car-insurance/

Use the Diners Club Card to travel, and automatically receive a package of travel insurance coverages such as travel accident, excess lost baggage and primary rental car collision damage insurance at no additional cost.

Primary Collision Damage Waiver Insurance

  • Receive primary coverage, anywhere in the world (except where prohibited by law), when the entire cost of a car rental is charged to a Diners Club Card.
  • For most cardmembers there's usually no need to file a claim with your own insurance company, so your personal insurance premium won't be affected.
  • The insurance covers physical damage and theft of the vehicle, reasonable loss of use charges, reasonable towing charges, and includes Secondary Personal Effects insurance.
  • Protection applies to rental cars with Manufacturers Suggested Retail Price up to $75,000 for covered damages. For Carte Blanche cardmembers, up to $100,000 for covered damages.
  • To qualify, you must decline the rental agency's collision damage waiver (CDW), saving up to $16 per rental day.

Travel Accident Insurance

  • Automatic coverage of up to $350,000 on common carriers.
  • Coverage applies every time the entire cost of an airline, train or other common carrier ticket is charged with your card.
  • Also applies to travel on frequent flyer or similar non-revenue tickets.
  • Coverage includes direct travel to and from the airport station or terminal on any public conveyance including buses, trains and hotel or car rental agency courtesy vans (private/rental cars excluded) — if the common carrier ticket has been purchased prior to departure for the station, terminal or airport.
  • Coverage applies for spouses and dependent children.
  • Optional enhanced coverage is also available.

Lost, Damaged, or Delayed Baggage Insurance

Just charge the entire cost of your ticket to your Diners Club Card Account and you're automatically covered for up to $1,250 to replace your baggage and its contents should they be lost, damaged or stolen. This valuable protection is provided to you at no additional cost, and the same generous coverage applies to both checked and carry-on luggage.

Diners Club Cardmembers are covered for the replacement cost of items if they are replaced. Otherwise, coverage is for the actual cash value of the item at the time of loss. This benefit pays in excess of any coverage provided by the common carrier. For additional information about insurance, call Diners Club Customer Service at 1-866-865-2617 or 416-977-7743.

Delayed Baggage Insurance will reimburse for the actual cost of replacing, on an emergency basis, any personal articles (e.g. clothing, hygiene and/or grooming products) or business effects (e.g., uniforms or general office supplies) contained in your checked baggage, if the checked baggage is delayed in getting to you at your scheduled destination.

Coverage is limited to the actual cost, up to $250 per claim, of replacing, on an emergency basis, any personal articles or business effects contained in your checked baggage. There is a maximum of two(2) claim(s) per twelve (12) month period. Call 1-866-865-2617 to request a claim form. You must report the claim within sixty (60) days of the incident or the claim may not be honored.

Purchase Assurance

Diners Club cardmembers can benefit from the security and safety offered through Purchase Assurance Coverage. If something you bought with your Diners Club Charge Card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage. Purchase Assurance is an insurance program. For complete program details, including coverage amounts, refer to your Diners Club Certificate of Insurance and Summary of Travel Assistance Booklet.

Extended Warranty Coverage

Extended Warranty doubles the original warranty time period and duplicates the coverage of the original manufacturer's (or U.S. store brand) warranty up to a maximum of twelve (12) months on most items you purchase. For products with multiple warranty components, each warranty time period will be duplicated up to a maximum of twelve (12) months. Should you fail to properly register the original warranty as required by manufacturer, Extended Warranty will only double the actual warranty time period that you received from the manufacturer. For complete program details, including coverage amounts, refer to your Diners Club Certificate of Insurance and Summary of Travel Assistance Booklet.

Information, Forms and Agreements:

Travel accident insurance

To make a claim please call 1-877-764-3576 to request a claim form (from outside the U.S., call collect: 904-636-3647). A dedicated representative will guide you through the process. Written notice of claim must be given to the Company within 90 days after the occurrence of any covered loss, or as soon thereafter as is reasonably possible.

Primary collision damage insurance claim

If you have any questions about how to file a claim for Primary Collision Damage Waiver, please contact Diners Club® Benefits Assistance Center at 1-877-764-3576 (from outside the U.S. call collect: 1-904-636-3647).

Claim forms and instructions for filing will be furnished upon request. Claims must be reported within 30 days from the loss/accident and the following documentation must be submitted within 180 days of the loss/accident:

  • Complete and sign the claim form.
  • Provide Diners Club Charge Card receipt showing the rental.
  • Provide Diners Club Charge Card statement showing the rental.
  • Provide the rental agreement (front and back).
  • Provide a copy of valid driver's license (front and back).
  • Provide a report from police verifying that the vehicle was stolen, vandalized or involved in a collision.
  • Provide an itemized repair estimate from a factory authorized collision repair facility.
  • Obtain a copy of vehicle rental agency promotion/discount, if applicable.
  • Obtain a copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are being claimed. You must secure this log from the rental agency.
  • For Personal Effects benefits:
    • Provide a report from police listing items stolen.
    • Obtain a copy of the declarations page of any applicable insurance or protection (including, but not limited to, homeowner's, renter's or auto insurance policy).
    • Provide a photograph clearly showing damage, if applicable.
  • Any other documentation that may be reasonably requested to validate a claim.

Damaged luggage coverage

Call 1-877-764-3576 (from outside the U.S., call collect: 1-904-636-3647). Claim forms and instructions for filing will be furnished upon request.

Note that the Diners Club® program pays in excess of the carrier's payment on lost, damaged or stolen luggage.


Designation of Beneficiary Form

Carte Blanche Card Terms and Conditions

Diners Club Card Terms and Conditions

All insurance coverages are underwritten and administered by third parties. Certain terms, conditions and limitations apply. Travel Accident Insurance is underwritten and provided by Federal Insurance Company, a member of the Chubb Group of Insurance Companies. This is only a brief description of the coverage available under policy series C12195DBG. The Policy contains limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there is any conflict between this document and the Policy, the Policy will govern in all cases. Primary Collision Damage Waiver insurance is available worldwide, except in certain places where prohibited by law or local agency practice. Primary Collision Damage Waiver is provided for rental cars with an MSRP not to exceed $100,000 USD for the Diners Club Carte Blanche Card, $75,000 USD for the Diners Club Charge Card, and $50,000 USD for the Diners Club Credit Card. See applicable Terms and Conditions above for details, or call 1-866-865-2617 Toll Free.

Источник: https://www.dinersclubus.com/home/professional-cards/profcards-l2/diners-club-card/insurance

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2 Replies to “Car rental insurance usa”

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