Rental Car Damage

9. RENTAL CAR DAMAGE BENEFIT

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Rental Car Damage Benefit will take effect on the Scheduled Date of Departure.

If the Insured rents a private passenger car that is not an Exotic Vehicle [and is not a vehicle with an original manufacturer’s suggested retail price greater than $50,000 while on his/her Covered Trip, and that car is damaged due to accidental collision, theft, vandalism, windstorm, fire, hail, flood, any cause not in the Insured’s control while in the Insured’s possession, or that car is stolen while in the Insured’s possession and not recovered, We will reimburse the Insured a Rental Car Damage Benefit, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, in excess of the Deductible, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired in excess of the Deductible; or

b. the Actual Cash Value of the car, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule.

Coverage is provided to the Insured, as long as he/she is a licensed driver, is listed on the rental agreement, and is legally and financially responsible for the damages. This coverage is primary to other forms of insurance or indemnity.

Coverage is provided to the Insured’s Traveling Companion, as long as he/she is a licensed driver, is listed on the rental agreement, and is legally and financially responsible for the damages. This coverage is primary to other forms of insurance or indemnity.

The Insured’s duties in the event of rental car damage:

The Insured 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; and

(4) provide Us with all documentation such as rental agreement, police report, and damage estimate.

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b. the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You purchase coverage prior to taking possession of the Rental Car are a licensed driver and are listed on the rental agreement.

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b. the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You purchase coverage prior to taking possession of the Rental Car and are a licensed driver and are listed on the rental agreement.

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b) The Actual Cash Value of the car;
c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;
2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in Your possession.

The Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in the Schedule.

Coverage is provided to You and Your Traveling Companion, provided You and Your Traveling Companion are licensed drivers and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

CAR RENTAL COLLISION COVERAGE

The Company will reimburse up to the Maximum Limit shown in the Schedule, subject to the Deductible, if the Insured rents a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in their possession.

The Company will pay the lesser of:

(a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or
(b) the Actual Cash Value of the vehicle.

Coverage is provided to the Insured and their Traveling Companion, provided they are a licensed driver and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in Your possession.

The Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in the Schedule.

Coverage is provided to You and Your Traveling Companion, provided You and Your Traveling Companion are licensed drivers and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. This coverage is Primary to other forms of insurance or indemnity.

CAR RENTAL COLLISION COVERAGE

The Company will reimburse up to the Maximum Limit shown in the Schedule, subject to the Deductible, if the Insured rents a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in their possession.

The Company will pay the lesser of:

(a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

(b) the Actual Cash Value of the vehicle.Coverage is provided to the Insured and their Traveling Companion, provided they are a licensed driver and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in Your possession.

The Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in the Schedule.

Coverage is provided to You and Your Traveling Companion, provided You and Your Traveling Companion are licensed drivers and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

CAR RENTAL COLLISION COVERAGE

The Company will reimburse up to the Maximum Limit shown in the Schedule, subject to the Deductible, if the Insured rents a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in their possession.

The Company will pay the lesser of:

(a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

(b) the Actual Cash Value of the vehicle.Coverage is provided to the Insured and their Traveling Companion, provided they are a licensed driver and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you purchased this optional coverage and you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) the Actual Cash Value of the car.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss:

You 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 us with all documentation such as rental agreement, police report and damage estimate.

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you purchased this optional coverage, and you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b.the Actual Cash Value of the car.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss:

You 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 us with all documentation such as rental agreement, police report and damage estimate.

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) the Actual Cash Value of the car.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss: You 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 us with all documentation such as rental agreement, police report and damage estimate.

RENTAL CAR DAMAGE

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.`

RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or

b) Actual Cash Value of the Rental Car, less its reasonable salvage value.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;
4. failure to report the loss to the proper local authorities and the Rental Car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;
7. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
8. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;
9. participation in contests of speed, motor sport or motor racing including training or practice for the same;
10. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first, but reserves the right to recover from the insurance carrier(s) of any other party involved in the Loss, other than the You. We will not take steps to recover from any policy held by You.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b) Actual Cash Value of the Rental Car, less its reasonable salvage value.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;

2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;

4. failure to report the loss to the proper local authorities and the Rental Car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;

7. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

8. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;

9. participation in contests of speed, motor sport or motor racing including training or practice for the same;

10. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first, but reserves the right to recover from the insurance carrier(s) of any other party involved in the Loss, other than the You. We will not take steps to recover from any policy held by You.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits

Benefits are subject to the Deductible as shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as rental vehicle agreement, police report and damage estimate.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial or Exotic Vehicles;

3. Any Loss that occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits

Benefits are subject to the Deductible as shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial or Exotic Vehicles;

3. Any Loss that occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial or Exotic Vehicles;

3. Any Loss that occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply. You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b) The Actual Cash Value of the car;
c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

OPTIONAL RENTAL CAR DAMAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b. Actual Cash Value of the Rental Car less its reasonable salvage value.

OPTIONAL RENTAL CAR DAMAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b. Actual Cash Value of the Rental Car less its reasonable salvage value.

Rental Car Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You, Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;
4. rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles;
5. failure to report the loss to the proper local authorities and the Rental Car company;
6. damage to any other vehicle, structure or person as a result of a covered loss;
7. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;
8. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
9. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;
10. participation in contests of speed, motor sport or motor racing including training or practice for the same;
11. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion;
12. any loss that occurs on a Trip with a destination less than 100 miles from Your Primary Residence, or on a Trip that is not overnight in length.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in Your possession.

The Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in the Schedule.

Coverage is provided to You and Your Traveling Companion, provided You and Your Traveling Companion are licensed drivers and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

CAR RENTAL COLLISION COVERAGE

The Company will reimburse up to the Maximum Limit shown in the Schedule, subject to the Deductible, if the Insured rents a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in their possession.

The Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

Coverage is provided to the Insured and their Traveling Companion, provided they are a licensed driver and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Confirmation of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini. Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any car with a Manufacturers Suggested retail Price (MSRP) over $50,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as possible;

c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us all documentation such as rental agreement, police report and damage estimate.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

OPTIONAL RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or b. Actual Cash Value of the Rental Car.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles;
4. failure to report the loss to the proper local authorities and the Rental Car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following condition applies: Coverage is provided to You, if the Rental Car is damaged while being operated by You at the time the damage occurs and must be listed on the Rental Car Agreement.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

OPTIONAL RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:
a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b. Actual Cash Value of the Rental Car.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;

2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

3. rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road
vehicles, recreational vehicles or Exotic Vehicles;

4. failure to report the loss to the proper local authorities and the Rental Car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;

The following condition applies: Coverage is provided to You, if the Rental Car is damaged while being operated by You at the time the damage occurs and must be listed on the Rental Car Agreement.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

OPTIONAL RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or

b. Actual Cash Value of the Rental Car.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;

2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

3. rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles;

4. failure to report the loss to the proper local authorities and the Rental Car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following condition applies: Coverage is provided to You, if the Rental Car is damaged while being operated by You at the time the damage occurs and must be listed on the Rental Car Agreement.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;
2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

RENTAL CAR DAMAGE

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as the rental agreement, police report and damage estimate.

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a. The cost of repairs and rental charges imposed by the rental company while the car is being repaired; b. The Actual Cash Value of the car, meaning purchase price less depreciation; or
c. The amount shown on the Schedule of Benefits.

Benefits are subject to the Deductible as shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the Rental Vehicle Agreement.

You must perform the following duties in the event of loss:

a. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
b. Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;
c. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and
d. Provide Us with all documentation such as Rental Vehicle Agreement, police report and damage estimate.

In addition to the General Limitations and Exclusions in the Policy, the following exclusions apply to Renters Collision Insurance coverage. We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);
2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial or Exotic Vehicles;
3. Any Loss that occurs if You are in violation of the Rental Vehicle Agreement;
4. Failure to report the loss to the proper local authorities and the rental company;
5. Damage to any other vehicle, structure or person as a result of a covered Loss;
6. Glass damage;
7. Overhead damage;
8. Tire damage;
9. Antique motor vehicles;
10. Any contents in the rental car;
11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You; or
12. Confiscation or expropriation by order of any government.

For purposes of this coverage, the following definitions are added:

Exotic Vehicles means antique cars that are over 20 years old or have not been manufactured for 10 or more years or any vehicle with an original manufacturer’s suggested retail price greater than $50,000.

RENTERS COLLISION INSURANCE

Optional Coverage purchased separately. See confirmation of insurance to confirm additional premium.

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Benefits are subject to the Deductible as shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the Rental Vehicle Agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as Rental Vehicle Agreement, police report and damage estimate.

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or© The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers and are listed on the rental agreement.
You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by the rental company while the car is being repaired;

2. the Actual Cash Value of the Rental Car; or

3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable. We will not provide benefits for any loss or damage caused by or arising from:

1. obligation of You, a Traveling Companion or a Family Member traveling with You, assumed under any agreement (except insurance collision deductible);

2. rentals of moving trucks, cargo trucks, campers, trailers, motor bikes, motorcycles, off road vehicles, or any Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement or misuse the vehicle;

4. failure to report the loss to the proper local authorities and/or the rental company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to operating the Rental Car: (1) while under the influence of alcohol or any illegal substance, or the abuse of a legal substance; (2) while using any medication that recommends abstinence from driving; (3) in a speed competition; (4) for compensation for hire; or (5) for illegal trade purposes or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: (1) mechanical failure or breakdown of the Rental Car; (2) wear and tear, gradual deterioration, corrosion, rust or freezing; (3) any negligence or abuse of the Rental Car; (4) any dishonest act or conversion; (5) any consequence of war (declared or otherwise); or (6) contamination by a radioactive material.

Upgrade – Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by therental company while the car is being repaired;

2. the Actual Cash Value of the Rental Car; or

3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable. We will not provide benefits for any loss or damage caused by or arising from:

1. obligation of You, a Traveling Companion or a Family Member traveling with You, assumed under any agreement (except insurance collision deductible);

2. rentals of moving trucks, cargo trucks, campers, trailers, motor bikes, motorcycles, off road vehicles, or any Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement or misuse the vehicle;

4. failure to report the loss to the proper local authorities and/or the rental company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to operating the Rental Car: (1) while under the influence of alcohol or any illegal substance, or the abuse of a legal substance; (2) while using any medication that recommends abstinence from driving; (3) in a speed competition; (4) for compensation for hire; or (5) for illegal trade purposes or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: (1) mechanical failure or breakdown of the Rental Car; (2) wear and tear, gradual deterioration, corrosion, rust or freezing; (3) any negligence or abuse of the Rental Car; (4) any dishonest act or conversion; (5) any consequence of war (declared or otherwise); or (6) contamination by a radioactive material.

Upgrade – Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by therental company while the car is being repaired;

2. the Actual Cash Value of the Rental Car; or

3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable. We will not provide benefits for any loss or damage caused by or arising from:

1. obligation of You, a Traveling Companion or a Family Member traveling with You, assumed under any agreement (except insurance collision deductible);

2. rentals of moving trucks, cargo trucks, campers, trailers, motor bikes, motorcycles, off road vehicles, or any Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement or misuse the vehicle;

4. failure to report the loss to the proper local authorities and/or the rental company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to operating the Rental Car: (1) while under the influence of alcohol or any illegal substance, or the abuse of a legal substance; (2) while using any medication that recommends abstinence from driving; (3) in a speed competition; (4) for compensation for hire; or (5) for illegal trade purposes or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: (1) mechanical failure or breakdown of the Rental Car; (2) wear and tear, gradual deterioration, corrosion, rust or freezing; (3) any negligence or abuse of the Rental Car; (4) any dishonest act or conversion; (5) any consequence of war (declared or otherwise); or (6) contamination by a radioactive material.

Upgrade – Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by the rental company while the car is being repaired;
2. the Actual Cash Value of the Rental Car; or
3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable. We will not provide benefits for any loss or damage caused by or arising from

1. obligation of You, a Traveling Companion or a Family Member traveling with You, assumed under any agreement (except insurance collision deductible);

2. rentals of moving trucks, cargo trucks, campers, trailers, motor bikes, motorcycles, off road vehicles, or any Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement or misuse the vehicle;

4. failure to report the loss to the proper local authorities and/or the rental company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to operating the Rental Car: (1) while under the influence of alcohol or any illegal substance, or the abuse of a legal substance; (2)while using any medication that recommends abstinence from driving; (3) in a speed competition; (4) for compensation for hire; or (5) for illegal trade purposes or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: (1) mechanical failure or breakdown of the Rental Car; (2) wear and tear, gradual deterioration, corrosion, rust or freezing; (3) any negligence or abuse of the Rental Car; (4) any dishonest act or conversion; (5) any consequence of war (declared or otherwise); or (6) contamination by a radioactive material

Under the heading “DEFINITIONS”, the following definitions are added:Exotic Vehicles means any antique, limited production, or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price (MSRP) over seventy-five thousand dollars ($75,000).

Rental Car means a private passenger vehicle (including minivans and sport utility vehicles)rented from a rental car agency and being used solely for transportation on public roads.

Upgrade – Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by the rental company while the car is being repaired;
2. the Actual Cash Value of the Rental Car; or
3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable.

Upgrade – Rental Car Damage and Theft

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You rent a Rental Car while on Your Trip, and while in Your possession, the vehicle is: (1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or (2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

1. the reasonable and necessary cost of repairs and rental charges imposed by therental company while the car is being repaired;

2. the Actual Cash Value of the Rental Car; or

3. the Maximum Benefit Amount shown in the Schedule of Benefits.

You must be licensed to operate the vehicle and listed on the rental contract for benefits to be payable. We will not provide benefits for any loss or damage caused by or arising from:

1. obligation of You, a Traveling Companion or a Family Member traveling with You, assumed under any agreement (except insurance collision deductible);

2. rentals of moving trucks, cargo trucks, campers, trailers, motor bikes, motorcycles, off road vehicles, or any Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement or misuse the vehicle;

4. failure to report the loss to the proper local authorities and/or the rental company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to operating the Rental Car: (1) while under the influence of alcohol or any illegal substance, or the abuse of a legal substance; (2) while using any medication that recommends abstinence from driving; (3) in a speed competition; (4) for compensation for hire; or (5) for illegal trade purposes or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: (1) mechanical failure or breakdown of the Rental Car; (2) wear and tear, gradual deterioration, corrosion, rust or freezing; (3) any negligence or abuse of the Rental Car; (4) any dishonest act or conversion; (5) any consequence of war (declared or otherwise); or (6) contamination by a radioactive material.

Under the heading “DEFINITIONS”, the following definitions are added:

Exotic Vehicles means any antique, limited production, or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price (MSRP) over seventy-five thousand dollars ($75,000).

Rental Car means a private passenger vehicle (including minivans and sport utility vehicles) rented from a rental car agency and being used solely for transportation on public roads.