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RENTAL CAR INSURANCE POLICY SUMMARIES

Budget, Dollar Car Rental, & Enterprise

Part 5 of a 5-Part Series on Rental Car Insurance in the U.S.A.

In Part 1 and Part 2 of Urban Thier & Federer’s series on Rental Car Insurance in the U.S.A., we explained various products offered by rental car companies and what each type of insurance provides. Part 3 and Part 4 covered specific policies offered by seven national car rental companies. In this final article, we summarize the types of coverage offered by three more well-known car rental companies.

Budget’s Policies

Budget sells a Collision Damage Waiver, Supplemental Liability Insurance, Personal Accident Insurance, Personal Effects Coverage, and an Emergency Sickness Plan. 

Budget’s Collision Damage Waiver is not insurance. It simply provides coverage which eliminates a renter from financial responsibility if the rented vehicle is involved in an accident. Budget also sells a Partial Loss Damage Waiver which covers the renter for damage or loss to the rented vehicle up to the amount specified by the Waiver policy.

Budget’s Supplemental Liability Insurance is a secondary coverage that picks up where a US state’s required liability leaves off. When combined with primary liability insurance, Supplemental Liability Insurance provides the renter with up to $1,000,000 (or $2,000,000 depending on location) of liability protection for third party claims of bodily injury or property damage. In US states where Uninsured/Underinsured Motorist (UM) coverage is required by law, this policy also provides up to $100,000 in UM coverage.

Budget’s Personal Accident Insurance and Personal Effects Coverage are sold together as a product called Personal Accident & Effects Insurance. This policy covers the renter and each passenger against accidental death, accidental medical expenses, and ambulance expenses. The renter is covered for $100,000 of accident death benefits, and each passenger is covered for $10,000. Accidental Medical Expense coverage is capped at $3,500. Ambulance Expenses are capped at $250. The total benefits for one accident are limited to $225,000. This policy also covers each person for $600 with a maximum benefit per occurrence of $1,800 for the loss or damage of personal effects. Budget does sell, in some locations, a premium version of this policy known as Personal Accident & Effects Insurance PLUS. Under this policy the renter is covered for $250,000 of accident death benefits, and each passenger is covered for $50,000 to $125,000 depending on the size of the rented vehicle. All other coverages under this premium policy remain the same as the standard policy.

Budget also offers an Emergency Sickness Plan, which covers international renters for medical expenses if they fall ill and need medical care during their rental period. If this is something that interests you, speak with your rental agent about the details.

Dollar Car Rental’s Policies

Dollar Car Rental sells a Collision Damage Waiver, Supplemental Liability Insurance, Personal Accident Insurance, Personal Effects Coverage, and Emergency Sickness Protection.

Dollar Car Rental’s Collision Damage Waiver is not insurance and is known as a Loss Damage Waiver. It simply provides coverage which eliminates a renter from financial responsibility if the rented vehicle is involved in an accident or stolen. 

Dollar Car Rental’s Supplemental Liability Insurance is referred to as a Liability Insurance Supplement. When combined with primary liability insurance, the Liability Insurance Supplement provides the renter with up to $1,000,000 of liability protection for third party claims of bodily injury or property damage. This additional liability protection includes Uninsured/Underinsured Motorist coverage up to $1,000,000 should you be injured by an uninsured or underinsured driver.

Dollar Car Rental sells Personal Accident Insurance and Personal Effects Coverage and the two are packaged together. The Personal Accident Insurance policy covers the renter and each passenger against accidental death, accidental medical expenses, and ambulance expenses. This insurance type does cover the renter for any accidental injuries that occur during the rental period, regardless of if they are in the car at the time of injury. The Personal Effects Coverage policy insures against theft or damage of personal belongings during the time of the rental. For information about the limits associated with each of these policies, please check with your rental agent.

Dollar Car Rental also offers Emergency Sickness Protection. This plan covers international renters for medical expenses they may incur if they fall ill and need medical care during their rental period. Benefits include up to $10,000 per person for necessary medical care for conditions that have not been diagnosed or treated for in the twelve-month period prior to the rental period. Additionally, the rental period cannot be longer than thirty days.

Enterprise’s Policies

Enterprise sells a Collision Damage Waiver, Supplemental Liability Insurance, Personal Accident Insurance, Personal Effects Coverage, and a Roadside Assistance Plan.

Enterprise’s Collision Damage Waiver is referred to as a Damage Waiver. The Damage Waiver is not insurance, but it provides coverage which reduces the financial responsibility of the renter if the rented vehicle is involved in an accident or stolen. 

Enterprise’s Supplemental Liability Insurance is known as Supplemental Liability Protection. When combined with primary liability insurance, Supplemental Liability Protection provides the renter with up to $1,000,000 (or $2,000,000 depending on location) of liability protection for third party claims of bodily injury or property damage.

Enterprise’s Personal Accident Insurance and Personal Effects Coverage are sold together. The Personal Accident Insurance policy covers the renter and each passenger against accidental death, accidental medical expenses, and ambulance expenses. The Personal Effects Coverage policy insures against theft or damage of personal belongings during the time of the rental. For information about the limits associated with each of these policies, please check with your rental agent. 

Enterprise also offers a Roadside Assistance Plan known as Roadside Assistance Protection. This plan allows renters to waive financial responsibility for qualifying roadside incidents such as lost keys, lockouts, and fuel outages. For more information, please check with your rental agent.

From all of us at Urban Thier & Federer, we hope that the information provided above has been helpful in clearing up any confusion surrounding rental car insurance. If you still have concerns about what you might or might not be covered for before you rent a vehicle for your U.S. trip, please check your insurance policies or call your provider to ask them directly, and also Part 1 of this series regarding general questions about the need for rental car insurance. For further information about other rental car companies, please see Part 3 and Part 4.

If you have been in an accident while in a rental vehicle, please contact us for details on how Urban Thier & Federer can help you.

* This article and this website are for informational purposes only and does not constitute legal advice. This information provided should not be used as a substitute for obtaining legal advice from an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter and not rely on the content of this article. Nothing on this site is intended to create an attorney-client relationship and nothing posted constitutes legal advice. We cannot guarantee that the information is accurate, complete or up to date.

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