Insurance Terms and Conditions

Several optional insurance plans and are available for an additional daily charge. Renters may (in many locations) purchase additional liability insurance at the time of rental. The renter is responsible for all damage or theft of the vehicle subject to certain exclusions contained in the rental agreement.

For an additional fee, we will waive or limit the renter's liability through the purchase of a Loss Damage Waiver at the time of rental. In some cases, renters may be covered for loss or damage to the renter vehicle by their personal insurance or charge card. Such coverage may contain a deductible or may not be primary. Please check with your insurance company or credit card company before you rent.

Loss Damage Waiver (LDW)
Personal Accident Insurance (PAI)
Personal Effects Protection (PEP)
Additional Liability Insurance (ALI)

Loss Damage Waiver (LDW)

Renters may purchase loss damage waiver (LDW) that reduces the financial liability for loss or damage to the car as long as they comply with the terms of the rental agreement. Cost of LDW will vary by location, car group and rate. If you have rental car coverage through your personal insurance or charge card, LDW offers maximum protection while your personal insurance or charge car may contain a deductible.

Personal Accident Insurance (PAI)

Personal Accident Insurance (PAI) provides accidental death benefits and emergency medical expense benefits to the renter and all passengers in the car.

The renter is covered 24 hours a day during the rental for the following:
-$175,000.00 accidental death
-$2,500.00 medical coverage for injuries due to an accident
-$250.00 for ambulance expenses

The passengers are covered while in the car for the following:
-$17,500.00 accidental death
-$2,500.00 medical coverage for injuries due to accident
-$250.00 for ambulance expenses Exceptions:

NEW YORK: The renter is covered 24 hours a day during the rental for the following:
-$175,000.00 accidental death
-$3,500.00 medical coverage for injuries due to an accident
-$250.00 for ambulance expenses

Personal Effects Protection (PEP)

Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are traveling with the renter. The maximum coverage is $600.00 per claim, with a maximum coverage for individuals of $1,800.00. Exceptions:

NEW YORK: Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are traveling with the renter. The maximum coverage is $500.00 per claim, with a maximum coverage for individuals of $1,500.00.

Additional Liability Insurance (ALI)

Renter may purchase Additional Liability Insurance (ALI) at the time of rental. ALI provides additional protection for bodily injury, death or property damage and increases the limits to $1,000,000 or $2,000,000 combined single limit depending on the location. When ALI is purchased, will always provide the Financial Responsibility Limits (FRL) on a primary basis.

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