What Does Rental Car Insurance Cover? | Allianz Global Assistance

rental car indemnity can be truly, in truth confusing. We recently read the report of one bewildered traveler who rented a car in Brussels and received an $ 810 circular for scratching a bumper. That ’ south because the lease car agency pushed them into buying extra indemnity ( with a 600-euro deductible ), which invalidated the policy they already had ! That ’ s merely not fair. That ’ randomness why Allianz Global Assistance offers the OneTrip Rental Car Protector. It ’ s a straightforward, dim-witted rental car collision damage release that costs merely $ 11 per calendar day and covers your lease car about anywhere in the worldly concern. What precisely does this type of rental car insurance cover ?

What does the rental car collision damage waiver cover?

A collision damage release, or CDW, can actually cover more than collision damage to the rental cable car. As we define it, it covers costs up to $ 50,000 if a car you ‘re renting is stolen or is damaged in a cover accident or while it ‘s left unattended. What are those costs, precisely ? The OneTrip Rental Car Protector pays for the cost to repair or replace the car ( whichever is less ), plus fair loss of use fees the owner of the rental cable car incurs while it ’ randomness being repaired. Loss of habit means the money the rental car company is losing while the cable car is in the patronize. We consider surrogate cost to be the actual cash respect of the rental car, minus its reasonable salvage value.

It ’ randomness important to note that the OneTrip Rental Car Protector gives you primary coverage. primary coverage means the policy is the first to pay the costs for damage or loss — not your own car indemnity. You pay no deductible ( as you probably would for a collision claim involving your own car ). The collision damage protection you may get through your credit card caller is typically secondary protection, meaning it kicks in after your regular car indemnity. few people know that the OneTrip Rental Car Protector besides includes two unexpected bonuses. One is the trip interruption benefit up to $ 1,000, which can reimburse you for the idle, non-refundable part of your trip and for the increase transportation system costs it takes for you to return dwelling due to a cover reason. therefore, for case, if you have to cut your trip unretentive because your daughter falls seriously ill, this benefit can reimburse you for nonrefundable rental car costs, hotel reservations or airplane tickets, among other expenses. The moment is free access to our emergency assistance hotline. Wherever you are in the world, you can call the hotline for help with things such as : witness qualified medical care, replacing a lost or stolen passport, making new travel arrangements, finding legal aid or obtaining an emergency cash transfer.

Why is it important to buy a collision damage waiver?

Because about nothing will wreck your vacation faster than a massive, unexpected beak from the lease car company.

A collision damage release is invaluable when your rental cable car actually gets damaged in a crash — or worse, when you walk out of your hotel and find your rental car has been stolen. ( You might be surprised by the countries with the highest rates of car larceny : Uruguay, New Zealand, the Bahamas and Italy.1 ) Whether or not you were at demerit, the release can pay those steep repair or replacement costs. It ’ sulfur just as valuable when you don ’ t damage the car, but the rental car company claims you did. Incidents of a rental car company charging for damage that a customer says they didn ’ t actually cause are common, unfortunately. If you drop off your car when the office is closed, and an employee doesn ’ t examine it until late, you could be held responsible for damage you didn ’ triiodothyronine causal agent. Another common scenario : the rental car agent fails to write down preexistent damage. “ That can be a finical problem with many airport rentals, which are inspected and then left for customers to pick up late unescorted, ” notes Consumer Reports.2 To protect yourself, take tons of photos when you pick up the car and when you drop it off.

What does the rental car collision damage waiver not cover?

  • Bodily injury liability: This is the big one. The OneTrip Rental Car Protector is not rental car liability insurance. This waiver protects only the car — not you, your passengers or other people you may injure in a crash. If you’re renting a car in the United States, your regular car insurance may cover you for bodily injury liability, which pays for injuries suffered by other people in an accident for which you’re held responsible.

In Europe, cable car rental rates typically include indebtedness insurance. In other countries, policies vary — contact the local embassy ahead of time to find out what kind of lease car indemnity you might need.

  • Your emergency medical care: The OneTrip Rental Car Protector does not cover any type of emergency medical care. If you’re driving in the United States, your regular auto insurance and health insurance may pay for treatment you receive as a result of injuries in a car accident.

oversea, you should consider protecting yourself with a change of location insurance plan that includes emergency medical benefits and hand brake medical department of transportation benefits. According to the Centers for Disease Control, “ closely half of aesculapian evacuations back to the United States are the leave of a car crash, and a medical elimination can cost up of $ 100,000. ” 3

  • Damage to other people’s property: If you rear-end a camioneta (aka a chicken bus) in Guatemala, the OneTrip Rental Car Protector can pay to repair damage to your rental car — but it won’t pay to redo the bus’s lavish paint job. You’ll have to pay for that out of pocket, unless you’ve purchased additional rental car insurance that includes property damage liability.
  • Drunk driving: If you damage your rental car while driving under the influence of alcohol or a controlled substance, your losses will not be covered.
  • Certain vehicles: The OneTrip Rental Car Protector does not cover trucks, campers, off-road vehicles, trailers, motorbikes, recreational vehicles, antique vehicles or any vehicle with an original manufacturer’s suggested retail price greater than $50,000.
  • Renting a car in certain countries: The OneTrip Rental Car Protector does not cover cars rented in or driven through Israel; Jamaica; the Republic of Ireland; Northern Ireland; or jurisdictions where the law doesn’t allow this coverage.
  • Long-term rentals: Any rental or lease exceeding 45 consecutive days is excluded.

other exclusions and requirements apply ; please be certain to read the design documents so you understand all the terms and conditions. Contact Allianz Global Assistance anytime with questions about the OneTrip Rental Car Protector or other travel indemnity products.

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