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Liability, Insurance and Optional Protection Package |
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Privacy Policy
Conditions of use
General Policies- Complete
Liability
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A - Loss or Damage to the Affordable Rent-A-Car Vehicle: |
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The renter and any additional drivers are responsible for all damage to, or loss or theft of, the Vehicle, loss of use of the Vehicle while it is being repaired, diminished value of the Vehicle caused by damage to it or repair of it, missing equipment towing and storage charges, and a reasonable charge to cover our administrative expenses connected with any damage claim, whether or not you are at fault. (subject to limitations imposed by the law) You are required to report all accidents or incidents of theft and vandalism to Affordable Rent-A-Car and the police as soon as you discover them. |
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B - Third Party Liability Claims: |
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You agree to provide auto liability through your own personal auto policy. You are responsible for all damage or loss you cause to others. Unless otherwise required by applicable law, a renter and/or any additional authorized driver (and the respective insurance company of each) is primarily responsible for all third party claims of personal injury, including death, and property damage caused or arising from the use and operation of the Affordable Rent-A-Car vehicle during the rental. |
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C - Optional Protection Package:
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At the time of rental, Affordable Rent-A-Car offers for purchase at the option of the renter, Collision Damage Waiver ("CDW"), Personal Protection Plan ("PPP"), Personal Accident Insurance ("PAI"), Personal Effects Coverage ("PEC) and Supplemental Liability Insurance ("SLI). The per day cost, coverage, provider and availability vary by vehicle category and rate. The optional products offered by the rental company may duplicate coverage provided by the renter’s personal automobile insurance or insurance the renter may have through another source. Purchase of optional products is not required to rent the vehicle. Separate brochures available at the rental location summarize the optional products. We charge a per day fee for each day or part of a day the vehicle is rented for any optional products you select. |
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1. Collision Damage Waiver ("CDW"): |
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If the renter purchases the CDW plan, Affordable Rent-A-Car will agree to waive the renter’s responsibility for loss or damage to the vehicle in full or in part. CDW is not insurance or an insurance product. CDW is a waiver. |
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CDW does not apply if: (1) the renter uses the vehicle in violation of the rental agreement ; (2) the renter fails to remove the keys, or close and lock all windows, doors and trunk, and the vehicle is stolen or vandalized; (3) the renter fails to notify us and the police immediately after the loss; and (4) the renter fails to pay the charges under the rental agreement; or (5) other exceptions as allowed by the applicable state or provincial law. |
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Before deciding whether to purchase CDW, renters should determine whether their own automobile insurance provides adequate coverage for a rental vehicle damage or loss and determine the amount of the deductible under their own insurance coverage. The purchase of CDW is not mandatory. CDW is not insurance. |
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2. Personal Protection Plan ("PPP"): |
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PPP includes Personal Accident Insurance ("PAI") and Personal Effects Coverage (PEC) and must be purchased together. |
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a. PAI: provides benefits to the renter and the renters passengers for accidental medical expenses, ambulance expenses and accidental death benefits during the rental period. If this optional coverage is purchased by a renter, the renter is covered twenty-four hours a day for all accidents, whether the renter is actually in the rental vehicle or not at the time of the accident. Passengers in an Affordable Rent-A-Car vehicle are only covered for accidents occurring while the passengers occupy the Affordable Rent-A-Car vehicle. |
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b. PEC: insures the personal effects of the renter and any member of the renter's immediate family traveling with the renter. A member of a renter's immediate family must permanently reside in the renter's household. If this optional coverage is purchased by the renter, PEC covers only personal effects with which the renter or immediate family member are traveling. A brochure is provided to review the coverage and limitations and exclusions, PEC pays covered claims even if the renter's homeowner's policy provides coverage. |
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1- Supplemental Liability Insurance ("SLI"): For an additional daily charge, a renter may purchase SLI at the time of rental. If accepted, SLI affords the renter with liability insurance in excess of any existing insurance, from the state’s statutory minimum limits (see below) up to One Million Dollars. This insurance will help protect the renter should the renter injure another person in an accident, or damage the property of another while operating the rental vehicle, up to the policy limits. SLI does not cover damage or injury to the driver or additional operator, family or household members, or passengers. SLI coverage may duplicate coverage already provided by your personal insurance policies, with or without deductible. SLI is primary over any other coverage applicable to you. The rental car agent and its employees are not qualified to evaluate the adequacy of your existing insurance coverage’s. The purchase of SLI is not required in order to rent a vehicle. The policy, viewable upon request, contains additional terms and conditions. |
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OPTIONAL LIABILITY COVERAGE IS SUBJECT TO SPECIFIC BENEFITS, EXCLUSIONS, LIMITATIONS AND EXCEPTIONS, WHICH ARE SUMMARIZED ON THE SEPARATE BROCHURES AVAILABLE AT THE RENTAL LOCATION. |
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Free our Toll Number: 888-499-9901 • Copyright © 2008 Affordable Rent A Car • All right reserved |
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