This document describes the benefits and basic provisions of the agreement. Read it with care. The Agreement is the only contract under which benefits are paid.
This is only a brief description of the benefits available under the Agreement. The Agreement contains reductions, limitations, exclusions, and termination provisions. Full details of the benefits are contained in the Agreement. If there are any conflicts between this document and the Agreement, the Policy shall govern.
Available in all 50 United States.
DEFINITIONS Diminished Value means the actual or perceived reduction in market or resale value that results from a loss.Exotic Vehicle(s) includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Opel, Pantera, Panther, Pininfarina, Rolls Royce, Stutz, Sterling, Triumph, TVR, Corvette, Dodge Viper, Tesla, SCC Ultimate Aero, Bugatti Veyron, Koenigsegg CCX, McIaren F1, Pagani Zonda, Maybach and Yugo.
Renter means a person who: A. is a member of an eligible class of persons as described in the Classification of Eligible Persons section of the Participating Organization
Application B. completes any required enrollment form, C. for whom remuneration has been paid, and D. while covered under this Agreement. Rental Return Date means the return date listed on the car rental agreement.
Additional renter means persons who are authorized drivers and listed on the car rental agreement.
Rental period means a period of travel; the Rental period has defined departure and return dates specified when the benefit applies; the Rental period does not exceed 28 days.
Participating Organization means an organization: A. which elects to offer this benefit under the Agreement by completing Participation Organization Application that has been accepted by the Company, B. which remits the required remuneration when due, and C. while benefits through the Participating Organization is available under the Agreement.
EFFECTIVE DATE: Benefits will take effect on the date the rental agreement has been signed (Rental Start Date) provided the required remuneration has been paid on (or before) the rental agreement has been signed.
TERMINATION DATE: A Renter’s coverage will end when the car is returned on or before the Rental Return Date or at 11:59 PM on the Rental Return Date. If the car is not returned as specified on the rental agreement and the rental period has not been extended by the Renter.
RENTER’S COLLISION PROTECTION: The Company will pay this benefit up to a maximum of $20,000 subject to a $250 deductible. Benefits do not apply in states where the sale of this Agreement is prohibited by law. If the Renter rents a car from the Participating Organization and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood while in his/her possession, The Company will indemnify the Renter for damages sustained by the Participating Organization in accordance with the Participating Organization Addendum. Coverage is provided to the Renter and Additional Renter providing the Renter and the Additional Renter are licensed drivers and are listed on the rental agreement. This benefit is primary to other forms of insurance or indemnity.
Coverage is not provided, in whole or in part, for any loss due to:
IN THE EVENT OF LOSS: The Renter must: 1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it. 2. Report the loss to the appropriate local authorities and the rental company as soon as possible. 3. Obtain all information on any other party involved in an accident such as name, address, insurance information, and driver's license number. 4. Provide The Company all documentation such as the rental agreement, police report and damage estimate.
PAYMENT OF CLAIMS Claim Procedures: Notice of Claim:
Claims Procedures: Proof of Loss: The claim forms must be sent back to Corporate Claims Service no more than 90 days after a covered loss occurs or ends (or as soon after that as is reasonably possible ). All claims under the policy must be submitted no later than one year after the date of loss or as reasonably possible.
If Corporate Claims Service has not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to Corporate Claims Service by the date claim forms would be due. The proof of loss should include written proof of the occurrence, type and amount of loss, the Renter’s name, and the rental car company.
Concealment or Fraud—The Company does not provide coverage for the Renter if the Renter has intentionally concealed or misrepresented any material fact (or circumstance ) relating to the rental agreement or claim.
Legal Actions—No one may sue for benefits less than 60 days after due proof of loss is submitted nor more than 3 years (or the minimum period of time permitted by state law, if greater) after the date claim forms are due.
Payment—Benefits under the Agreement are not effective unless all payments due have be paid prior to signing the rental agreement. Termination of the Policy—Termination of the Agreement will not affect a claim for loss which occurs while the Agreement is in force. . Transfer of Agreement—Benefits under the Agreement cannot be transferred by the Renter to anyone else
WHAT TO DO IN THE CASE OF ACCIDENT
Real Collision Insurance: Pays for any damage done to the rental car, as long as you do not break the contract, minus the $250.00 deductible.
Available On: You can purchase Renter’s Collision Protection on any passenger vehicle up to and including 15 passenger vans.
Available on Trucks: Renter’s Collision Protection is available on Cargo Vans and Pickup Trucks up to 10,000 lbs. GVW.
Not from the US? No Problem: You can purchase Renter’s Collision Protection form this location no matter where you are from.
In Case of an Accident: Make sure you immediately report it to the police then call your rental office. They have all the forms necessary to file your claim.