Rental Policies & Insurance Information
Click a link below for the specific section:
Rental Policies
Personal Accident Coverage
Personal Property Coverage
Rental Liability Insurance
Supplemental Liability Insurance
California Disclosure Insurance
Terms of Use
Rental Policies
AUTHORIZED DRIVERS
The Vehicle may only be driven by Renter. In accordance with the Thumb•it driver policy and/or with rental location permission, only active Thumb•it members in good standing may be included as an additional drivers, if any, who has been instructed on the proper use of the Vehicle, may drive the Vehicle. Operation by an unauthorized driver voids any/all coverages and waivers.
AGE AND USE RESTRICTIONS
Renter will operate Vehicle in a safe and prudent manner. Vehicle will not be used or operated by anyone (a) who is not a qualified, licensed driver at least nineteen (19) years old and named on page 1 of this Agreement, or whose license is invalid; (b) who obtains the Vehicle with misleading or false information; (c) to transport people or property for hire or to push or tow anything; (d) while engaged in any race, speed contest, or illegal purpose; (e) while committing or involved in the commission of a crime; (f) in a reckless, wanton, or negligent manner; (g) to carry hazardous or explosive substances; (h) on other than regularly maintained and paved roadways; (i) who does not know how to operate the Vehicle; (j) while intoxicated or under the influence of drugs, drowsy, or whose driving ability is impaired; (k) outside the state in which the Vehicle is rented without prior written permission of renting location; (l) who leaves the keys in or does not properly lock up and secure the Vehicle (excluding valet parking); (m) who has more people in the Vehicle than seat belts; (n) who loads vehicle beyond the manufacturer’s designated gross vehicle weight; (o) where insufficient clearance of height or width exists; (p) when further use of the Vehicle would cause it damage (warning light or flat tire, steam rising from engine, unusual noise).
CANCELLATION
You can cancel your Thumb•it reservation directly through the app or if needed by calling the customer service team (855) 4-THUMBIT / (855) 484-8624.
CURRENCY
1. Rates are always displayed in US Dollars on Thumb•it
2. Rates that are impacted by an application technical issue, database issue or other means will not be honored by the app/location if the rate display was inaccurate due to a technical issue or tampering issue to change the rate display.
DIRECTIONS
Going South on 405 - Exit Century Blvd West - Turn right onto W Century Blvd - Make a U-turn at Aviation Blvd - Move right into the service lane - Drive forward and turn right into the Thumb•it pick-up and return location at 5500 W. Century Blvd, Los Angeles, CA 90045. Click HERE for additional directions.
Going North on 405 - Exit Century Blvd - Turn left onto Century Blvd - Travel West - Make a U-turn at Aviation Blvd - Move right into the service lane - Drive forward and turn right into the Thumb•it pick-up and return location at 5500 W. Century Blvd, Los Angeles, CA 90045. Click HERE for additional directions.
EMERGENCY INFO
Use your Thumb•it app for roadside assistance or emergency assistance. If needed you may call the customer service toll-free number (855) 4-THUMBIT / (855) 484-8624.
EQUIPMENT
HAND CONTROL VEHICLES
Hand control vehicles - Compatibility for hand controls varies by vehicle make/model/manufacturer. Thumb•it locations provide rental services to accommodate all customers and comply with the stipulations of the Americans with Disabilities Act (ADA). Please call our toll-free number (855) 4-THUMBIT / (855) 484-8624 to speak with a Customer Service Representative for questions pertaining to special equipment or requests. Reasonable advance notice is required; our usual need is 72 hours but this period may vary. This policy applies to our US corporate locations only, as accommodation, laws and compliance outside the US varies by location.
GAS
Fuel Policy - Vehicles must be returned with the same amount of fuel as at the start of the rental to avoid refueling charges.
GEOGRAPHIC
VEHICLE RENTALS ORIGINATING IN THE STATES OF ARIZONA, CALIFORNIA, COLORADO, NEVADA, UTAH AND WASHINGTON can only be driven within the states of Arizona, California, Colorado, Idaho, Kansas, Nebraska, Nevada, New Mexico, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington and Wyoming.
Thumb•it vehicles may NOT be driven into Mexico.
HONOR RESERVATIONS
Reservations will be honored for a period of four hours after the confirmed pick up date and time.
Early Return – No refunds are issued for early returns for Thumb•it rentals.
Late Return – Late fees will apply. See customer service for information regarding your late fee charges.
INSURANCE
Optional Insurance is not required to rent a vehicle. Details available at rental counter.
Loss Damage Waiver (LDW) Thumb•it offers to all renters LDW, Loss Damage Waiver, which for an additional daily charge relieves the renter of all financial responsibility for the loss or damage to the rental car, as long as the vehicle is used in accordance with the terms of the Rental Agreement. The exact amount is available with your car quote.
Rental Liability Insurance (RLI) Primary insurance protecting you against claims made by third party for bodily injury and/or property damage sustained while operating the rental vehicle, up to the required financial responsibility limits of the state in which the vehicle is rented. RLI does not cover all situations that may arise while operating a rental vehicle. The renter is financially responsible for all damages not covered under the liability policy including, but not limited to the Thumb•it rental vehicles full value. Costs for RLI coverage varies by state, please see the costs detailed in Step 2 of the website reservation process. (2015)
Supplemental Liability Insurance (SLI) - Provides coverage for 3rd party automobile claims for the difference between the primary liability limits provided under the renters own personal policy and a maximum combined single limit of one million dollars for bodily injury and/or property damage but does not cover all situations that may arise while operating a rental vehicle. Costs for SLI coverage varies by state, please see the costs detailed in Step 2 of the website reservation process. (2015)
Personal Accident/Personal Effects Protection (PAC) - Personal Accident Coverage provides accidental death and accidental medical expense benefit to the renter and their passenger (s). The death and medical expense benefit will both pay in addition to any other coverage that might be applicable to the renter or passengers. Personal Effects Coverage offers limited protection against damage to personal effects owned by the renter, as well as immediate family members of the renter, who permanently reside in the renters household and are traveling with the renter.
Roadside Assistance Program (RSA) - If you purchase our Roadside Service Assistance (RSA) we will waive all, or a portion of, the cost of a roadside assistance service call up to the amount of USD/400.00 per incident. You may purchase RSA at all Thumb•it corporate locations. Benefits include emergency road service towing (within 25 miles of occurrence), winching, jump start, flat tire change, lockout service, and emergency fuel delivery (up to two gallons). Some restrictions apply; ask for a copy of an RSA brochure at the rental counter. Toll free number (855) 4-THUMBIT / (855) 484-8624.
ONE-WAY
One-way rentals are NOT available with Thumb•it rentals
OTHER
Arbitration Provision
Except for claims for property damage, personal injury, or death, ANY DISPUTES BETWEEN OR AMONGST RENTER, Thumb•it, ATS PROCESSING SERVICES, LLC, PLATEPASS, LCC, AND EACH OF THEIR RESPECTIVE AFFILIATES MUST BE RESOLVED ONLY BY ARBITRATION OR IN A SMALL CLAIMS COURT ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT ALLOWED. RENTER AND THUMB•IT WAIVE THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION EITHER AS A CLASS REPRESENTATIVE OR A CLASS MEMBER. Renter and Thumb•it remain free to bring any issues to the attention of government agencies. This Arbitration Provision’s scope is broad and includes without limitation, any claims relating to any aspect of the relationship between Renter and Thumb•it. In any arbitration, all issues are for the arbitrator to decide, including jurisdiction, and any objections with respect to the existence, scope, or validity of this Arbitration Provision. The arbitration will take place in the county of Renter’s billing address unless otherwise agreed. The American Arbitration Association will administer any arbitration pursuant to its Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer-Related Disputes. For additional details regarding Arbitration, or if you wish to opt out of arbitration, please see Thumb•it Arbitration Information.
PAYMENT
Major Credit or Debit Cards
1. Valid drivers license and credit card must be in the same name.
2. Payment will be taken at time of reservation for all rental charges.
NOTE - Address as stated on renters valid drivers license will be referenced to determine renters primary residence.
NOTE - We do not accept the miniature key tag style credit cards.
Prepaid Cards
Prepaid Visa/MasterCard are not accepted as a form of payment at time of rental for Thumb•it rentals.
RULES
Customer Facility Charge - CFC will be charged at airport locations where they apply. Please refer to your rental agreement at the time of rental.
Concession Fee/Tourism Fee - Airport concession fee and tourism assessment fee Pursuant to California law, all rentals will be charged an airport concession fee and a tourism assessment fee at the time of rental.
Road Safety Fee - Customer will be charged a fee for Denver and Phoenix only.
Miles - Rental rates include unlimited miles. Vehicles mileage per gallon is based on manufacturers estimates.
Rental Extensions - To extend the rental agreement, customers must use the Thumb•it app. If vehicle is kept longer than the return date stated on the rental agreement (contract), the rate may increase per day. The increased rate will be charged for each day after expected return date, until the vehicle is returned. Please contact customer service at (855) 4-THUMBIT / (855) 484-8624. Please refer to the Early/Late Return policies to avoid additional fees.
Length of Rental - Rental agreements (contract) cannot be assigned for a period longer than 30 days. If you have reserved the vehicle for a longer period of time, you must go into the location prior to the 31st day and renew the rental agreement (contract). The rate booked is guaranteed for the original duration of the reservation. Returns earlier or later than the return date on the reservation will be subject to a higher daily rate.
Grace Period - A rental day is each 24 hour time period commencing with the date/time indicated on the rental agreement (contract) at the time of rental. There is a 59 minutes grace period for return. Hourly charges may apply after this grace period. After three hours full-day charge may apply.
Rental Requirements - All renters/drivers will be required, at the time of rental, to supply a valid driver license (U.S., or country license accompanied with an International license and passport), current home address (not P.O. box), a current home and local contact number, and second contact phone number (cell or business).
Fox Rewards & FoxBucks Use
FoxBucks and Fox Rewards points cannot be used for Thumb•it rentals. Fox Rewards points are not earned for Thumb•it rentals made on foxrentacar.com, thumbit.com or on the Thumb•it mobile app.
SHUTTLE
Upon arrival at the Los Angeles airport, please proceed outside the baggage claim area to the center island. Stand under purple sign marked Car Rental Pick Up and board the Fox Rent a Car shuttle followed by a short ride to the Fox/Thumb•it LAX location. The Fox shuttle runs during operating hours and the Fox/Thumb•it LAX facility operates 24 hours a day. To reach a Thumb•it associate directly, please dial (855) 4-THUMBIT / (855) 484-8624. Click HERE for additional instructions.
TOLL ROADS AND FEES
Parking and Moving Citations. You are responsible for the payment of all vehicle parking and moving citations assessed against you or the vehicle during the rental period, including all such citations captured by camera and any related fines, fees, or penalties. If a citation issuing authority notifies us that we will be liable for any such citation and any related fines, fees, or penalties, you will be charged USD/40 administrative fee for each such notification in addition to the fine, fee, or penalty.
You are responsible for the payment of all tolls incurred during the rental period
TRAVELING TO MEXICO
Thumb•it vehicles are NOT allowed to be driven into Mexico
Personal Accident Coverage
PERSONAL ACCIDENT COVERAGE SUMMARY
In consideration of the premium, we will provide the following benefits, subject to the terms and conditions of the policy and any endorsements. Throughout the policy the words "we", "us" or "our" refer to the Insurance Company. The words "you" or "your" refer to the "Insured". In addition, certain words or phrases identified by quotation marks are defined in SECTION III – DEFINITIONS.
SECTION I - PLAN OF INSURANCE
A. COVERAGE
The policy provides insurance for "bodily injury" or death sustained by a "rentee" during the "coverage period". The policy also provides insurance for "bodily injury" or death sustained by a "passenger" while within the enclosed portion of a "rental vehicle" during the "coverage period".
B. WHO IS AN INSURED
1. Only the following are "insureds" under the policy:
a. An authorized "rentee" who has:
(1) Entered into a "rental agreement" with the "policyholder";
(2) Elected under the "rental agreement" to purchase and has paid for optional Personal Accident Coverage; and
b. Any "passenger" of the "rentee”.
2. The following are not "insureds" under the policy:
a. The "policyholder", "certificate holder" or owner of the "rental vehicle"; or
b. Any employee, agent or family member of the "policyholder", "certificate holder" or owner of the "rental vehicle", or
c. Anyone not specifically defined under paragraph B.1. above.
C. ACCIDENTAL DEATH BENEFIT - RENTEE
If a "rentee" insured under the policy sustains "bodily injury" during the "coverage period" which shall independently of all other causes, result in death and such death occurs within twelve (12) months following such "bodily injury", then we will pay the amount shown in the Schedule of this summary. However, in no event will the total amount paid exceed the limits shown in the Schedule of this summary.
D. ACCIDENTAL DEATH BENEFIT - PASSENGER
If a "passenger" sustains "bodily injury" while within the enclosed portion of the "rental vehicle", which independently of all other causes is the proximate cause of death, and such death occurs within twelve (12) months following such "bodily injury", then we will pay the amount shown in the Schedule of this summary. However, in no event will the total amount exceed the limits shown in the Schedule of this summary.
E. ACCIDENT MEDICAL EXPENSE BENEFITS - RENTEE
If a "rentee" insured under the policy sustains "bodily injury" during the "coverage period" which does not result in death, but within 30 days following the date of the accident, and upon the recommendation of a "physician" requires:
1. Confinement in a “hospital”;
2. Treatment by a “physician”;
3. Transportation to or from a “hospital” by a professional ambulance service; and/or
4. Services rendered by a registered nurse (RN), License Practicing Nurse (LPN), or Nurse Practitioner (NP);
Then we will pay up to the limit of coverage for usual and customary charges for such confinement, treatment, services and supplies; however, in no event will the total amount exceed the limits shown in the Schedule of this summary.
F. ACCIDENT MEDICAL EXPENSES BENEFITS - PASSENGER
If a "passenger" insured under the policy sustains "bodily injury" while within the enclosed portion of the "rental vehicle" during the "coverage period" which does not result in death, but within 30 days following the date of the accident, and upon the recommendation of a "physician" requires:
1. Confinement to a “hospital”;
2. Treatment by a “physician”;
3. Transportation to or from a “hospital” by a professional ambulance service; and/or
4. Services rendered by a registered nurse (RN), License Practicing Nurse (LPN), or Nurse Practitioner (NP);
Then we will pay up to the limit of coverage for usual and customary charges for such confinement, treatment, services and supplies; however, in no event will the total amount exceed the limits shown in the Schedule of this summary.
G. EXCLUSIONS
The policy does not insure, nor will any payment of any kind be made for "bodily injury" caused wholly or partly, directly or indirectly by:
1. Suicide, attempted suicide or intentionally self-inflicted injury, while insane or sane;
2. Engagement in an illegal occupation or activity, committing or attempting to commit a criminal offense;
3. Travel in any manner other than within the enclosed portion of the "rental vehicle", this exclusion only applies to the "passenger".
4. An accident that occurs while participating in a prearranged or organized race or testing of a vehicle.
5. "Bodily injury" expected or intended from the standpoint of the "insured";
6. Loss arising out of the operation of the "rental vehicle" by any driver who is not authorized by the "policyholder" to operate the "rental vehicle";
7. Violation of the "rental agreement".
8. An accident which occurs while under the influence of alcohol or narcotics, unless prescribed and taken at the advice or direction of a “physician”.
9. Aircraft travel, except as a passenger on a licensed aircraft on a regularly scheduled flight;
10. We will make no payment if the "rentee" converts the "rental vehicle" from the Lessor.
SECTION II - CONDITIONS
A. GENERAL CONDITIONS
1. CHANGES: The policy together with the "rental agreement" constitutes the entire contract of insurance. No agent has authority to change the policy or waive any of its provisions.
2. TERMINATION: This coverage will terminate at the time a "rentee" ceases to be a "rentee" of the "policyholder" under the "rental agreement".
3. COVERAGE TERRITORY: We cover losses that occur during the "policy period" within the United States its territories and possessions, Puerto Rico and Canada, but only if the loss arises out of a "rental vehicle" which is rented in the United States. The Coverage Territory does not include Mexico.
B. LOSS CONDITIONS
1. NOTICE OF CLAIMS: Written notice must be given to the Company within twenty (20) days of the event resulting in injury covered by the policy or as soon thereafter as reasonably possible, but in no event more than one year after the occurrence or commencement of any loss covered by the policy. Notice given by or on behalf of the person insured to the Company at its administrative office, with information sufficient to identify the person insured, including a death certificate, will be deemed notice to the Company.
2. TIME OF PAYMENT OF CLAIMS: We will pay all benefits payable under the policy upon acceptance of due written proof of loss.
3. PAYMENTS OF CLAIMS: Benefits will be payable in accordance with the provisions effective at the time of payment. Benefits shall be payable to the beneficiary designated by the "rentee". If no beneficiary is designated, payment will be made to the estate of the "rentee". With regard to an insured "passenger", benefit provided by the policy due to death will be payable only to the estate of the insured “passenger”.
If the "insured" requests in writing, the Company will have the option of paying all or any portion of any benefits provided by the policy on account of “hospital”, nursing, medical, dental or surgical service directly to the “hospital” or person rendering such services; but it is not required that the service be rendered by a particular “hospital” or person.
4. PHYSICAL EXAMINATIONS: The Company, at its own expense, will have the right and opportunity to examine the person of any claimant when and as often as it may reasonably require during the pendency of a claim hereunder, and to perform an autopsy in case of death where it is not forbidden by Law.
5. LEGAL ACTION: No action or proceeding for the recovery of any claim under the policy will be sustainable in any court of law or equity unless it is commenced within twelve (12) months next after discovery by the "insured" of the occurrence that leads to the claim. If by the laws of the state within which the policy is issued such limitation is invalid, then any such claims will be void unless such action, suit or proceeding is commenced within the shortest limit of time permitted by the laws of such state.
6. OTHER INSURANCE: Other insurance may be available to cover your loss. If so, we will pay in addition to other such insurance. In no event will the total amount exceed the policy aggregate limit shown in the Schedule of this summary.
SECTION III - DEFINITIONS
A. "Bodily injury" means sudden and accidental physical injury, not mental or emotional injury or distress, and not sickness or disease, sustained by a person.
B. "Certificate holder" means the person, organization, franchise, licensee, or association member listed as an additional "policyholder" on a Certificate of Insurance.
C. “Coverage period” means the period the “rental agreement” is in effect for the “rental vehicle” and the “rentee”.
D. “Hospital” means an institution operated pursuant to law for the care and treatment of sick and injured persons, with twenty-four hour nursing service by a registered graduate nurse and organized facilities for diagnosis, X-ray and major surgery.
E. "Insured" means the person or organization qualifying as an insured in the WHO IS INSURED provision of SECTION I, Part B.
F. "Passenger" means anyone other than the "rentee" who is within the enclosed portion of the "rental vehicle" with the "rentee's" permission during the "coverage period".
G. “Physician” means only a qualified medical or osteopathic physician or surgeon legally licensed to practice medicine.
H. "Policyholder" means the person or organization listed in the Declarations, or its subsidiaries.
I. "Policy period" is the period during which the "policyholder" or "certificate holder" may offer coverage under the policy to an "insured", this does not include the "coverage period".
J. "Rental agreement" means the written rental contract by which the "rentee" rents or leases the "rental vehicle".
K. "Rental vehicle" means the auto rented or leased by the "rentee" from the "policy holder" and described in the "rental agreement".
L. "Rentee" means the person or organization who rents or leases a motor vehicle from the "policyholder", and whose name is listed first in the "rental agreement".
STATE SPECIFIC INFORMATION
CALIFORNIA –Department of Insurance Consumer Hotline 1- 800-927-4357
KENTUCKY – Underwriting insurer is authorized to transact insurance in the State of Kentucky
MARYLAND NOTICE: “You may not need the automobile insurance offered by the Rental Operator. Your automobile insurance policy may provide coverage for your liability while operating a rental vehicle. You should check the terms and conditions of your automobile insurance policy to determine if coverage is provided for this rental. The purchase of insurance is not required as a condition of renting an automobile. In addition, if you are driving this rental vehicle due to an accident or repairs, state law may require your personal automobile liability policy to provide coverage and purchase of any excess liability coverage may duplicate coverage required by law to be provided by the owner of the rental vehicle.”
MONTANA – Department of Insurance Consumer Hotline 1- 800-332-6148
NEW MEXICO - License Department of Insurance Consumer Hotline 1- 800-947-4722 or 505-827-4337
SOUTH CAROLINA – Dispute Resolution Notice: Disputes involving insurance must first be handled with the vehicle rental company and insurers. If the dispute cannot be resolved, the renter may contact the South Carolina DOI Consumer Services Division at 1-800-768-3467.
WASHINGTON - Department of Insurance Hotline in WA 1-800-562-6900 All other 1-360-753-3613
In the states of Kentucky, Nebraska, and South Dakota benefits are primary to any other like coverage
OPTIONAL
PERSONAL ACCIDENT COVERAGE
SUMMARY
PERSONAL ACCIDENT COVERAGE SUMMARY
Personal Accident Coverage (PAC) provides Accidental Death and Accident Medical expense benefit for the “rentee” and their “passenger(s)”. Coverage is provided for the "rentee" during the coverage period. Coverage is provided for "passenger" while within the enclosed portion of a "rental vehicle" only. The death benefit and medical expense benefit will both pay in addition to any other coverage that might be applicable to the "rentee" or "passengers".
THE MAXIMUM COVERAGE AVAILABLE IS:
SCHEDULE - PERSONAL ACCIDENT COVERAGE PLAN
Insured Rentee Passengers
Death Benefit: $100,000 $10,000
Medical Expense: $1,000 $1,000
Ambulance Expense: $100 $100
The above limits are subject to a policy aggregate limit of $125,000
Personal Accident Coverage does not cover all situations that may give rise to death and/or medical expenses. Certain exclusions apply to this coverage.
IN THE EVENT OF AN ACCIDENT:
1. Contact the police immediately.
2. Contact your rental agent and advise them of an accident.
TO FILE A CLAIM
1. Contact your rental agent for a claim form.
2. Complete the claim form and send it, along with a copy of your rental agreement and a copy of the police report to:
Zurich Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
Phone Number: 1-888-680-8002
Fax Number: 1-402-963-5329
THIS COVERAGE SUMMARY IS NOT A STATEMENT OF CONTRACT, NOR IS IT A COMPLETE DESCRIPTION OF THE COVERAGES, EXCLUSIONS, CONDITIONS AND DEFINITIONS FOUND WITHIN THE COMPLETE POLICY. THERE MAY BE ADDITIONAL EXCLUSIONS OR CONDITIONS THAT APPLY.
THIS SUMMARY OF COVERAGE CONTAINS CERTAIN PROVISIONS THAT MAY NOT BE APPLICABLE IN ALL STATES. A COPY OF EACH POLICY IS AVAILABLE FOR REVIEW UPON REQUEST TO THE RENTAL OPERATOR.
THIS COVERAGE MAY DUPLICATE OTHER COVERAGE ALREADY AVAILABLE TO YOU UNDER YOUR OWN PERSONAL AUTO INSURANCE POLICY OR OTHER INSURANCE AVAILABLE TO YOU. THE PURCHASE OF THIS INSURANCE IS NOT REQUIRED TO RENT A VEHICLE.
EMPLOYEES, AGENTS OR ENDORSEES OF RENTAL OPERATOR ARE NOT QUALIFIED TO EVALUATE THE ADEQUACY OF RENTEE’S EXISTING COVERAGE.
THIS POLICY IS UNDERWRITTEN BY EMPIRE FIRE AND MARINE INSURANCE COMPANY, MEMBER OF ZURICH FINANCIAL SERVICES GROUP.
Personal Property Coverage
PERSONAL PROPERTY COVERAGE SUMMARY
In consideration of the premium, we will provide the following benefits, subject to the terms and conditions of the policy and any endorsements. Throughout the policy the words "we", "us" or "our" refer to the Insurance Company. The words "you" or "your" refer to the "Insured". In addition, certain words or phrases identified by quotation marks are defined in SECTION III – DEFINITIONS.
SECTION I – PROPERTY INSURANCE
A. COVERAGE
1. The policy provides insurance for personal property owned by and for the personal use, adornment or amusement of the "insured" for loss:
a. During transit; or while in any hotel or building, (other than your personal residence), or locked in a “rented vehicle”;
b. The loss from a “rented vehicle” must be reported to the police and the vehicle must show signs of forced entry.
2. We will indemnify an "insured" for any loss or damage to the "insureds" property for which this coverage applies during the "coverage period", except as stated in paragraph D. Exclusions. Our liability will not exceed the maximum limits shown in the Schedule of this summary.
B. WHO IS AN INSURED
1. The following are "insureds" under the policy:
a. An authorized "rentee" who has:
(1) Entered into a “rental agreement” with the “policyholder”; and
(2) Elected under the "rental agreement" to purchase and has paid for optional Personal Property Coverage.
b. Any member of the "rentee’s" immediate family who permanently resides in the "rentee’s" household while traveling with the "rentee" during the "coverage period"; and
c. Additional authorized drivers whose names appear on the "rental agreement”.
2. The following are not "insureds" under the policy:
a. The "policyholder", "certificate holder" or owner of the "rental vehicle;
b. Any employee, agent or family member of the "policyholder", "certificate holder", or owner of the "rental vehicle"; or
c. Anyone not specifically defined under paragraph B.1. above.
C. LIMIT OF INSURANCE
Regardless of the number of "insureds" or claims made, the most we will pay for any one loss is the limit shown in the Schedule of this summary. The deductible shown in the Schedule of this summary, if any, will apply to the gross amount of loss.
D. EXCLUSIONS
The policy does not insure:
1. Any property not owned by the “insured” for other than their personal use, adornment, or enjoyment.
2. Animals, "autos", "auto" equipment, motorcycles, water craft, motors, or other conveyances or their appurtenances, household or office furniture, business personal property or equity, contact lenses, glasses, artificial teeth or limbs, currency, coins, deeds, bullion, stamps, securities, negotiable instruments, debit or credit cards, fund transfer cards, tickets, documents or perishables.
3. Against loss or damage caused by or resulting from:
a. Loss arising out of an "accident" which occurs while the "insured" is under the influence of alcohol or narcotics, unless prescribed by a physician;
b. Loss arising out of the use of a "rental vehicle" when such use is in violation of the conditions of the "rental agreement";
c. Loss arising out of the operation of the "rental vehicle" by any driver who is not an "insured";
d. Any "insureds" liability for damage to the "rental vehicle"; or
e. Any loss of or damage to the "insureds" property, expected or intended from the standpoint of the "insured".
4. Property while in the care, custody, or control of any common carrier.
5. Loss or damage due to unexplained or mysterious disappearance.
6. Loss or damage due to theft unless reported to the police or other competent authority.
SECTION II - CONDITIONS
A. GENERAL CONDITIONS
1. CHANGES. The policy together with the "rental agreement" constitutes the entire contract of insurance. No agent has authority to change the policy or waive any of its provisions.
2. TERMINATION. This coverage will terminate at the time a "rentee" ceases to be a "rentee" of the "policyholder" under the "rental agreement".
3. COVERAGE TERRITORY. We cover losses that occur during the "policy period" within the United States and Canada, but only if the loss arises out of a "rental vehicle" which is rented in the United States. The coverage territory does not include Mexico.
4. NO BENEFIT TO BAILEE. This insurance will in no manner insure directly or indirectly to the benefit of any common carrier or bailee.
5. REDUCTION IN THE AMOUNT OF INSURANCE. The amount of insurance and the applicable limit of liability, upon the occurrence of any loss covered hereunder, is reduced by the amount of such loss.
B. LOSS CONDITIONS
1. NOTICE OF LOSS. In case of loss to covered property, you must see that the following are done:
a. Give prompt notice to us or our agent;
b. Notify the police in case of loss by theft;
c. Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
d. As often as we reasonably require:
(1) show the damaged property;
(2) provide us with records and documents we request and permit us to make copies; and
(3) provide statements, submit to questions under oath, and sign and swear to them;
e. Send to us, within 30 days after our request, your signed, sworn proof of loss that sets forth, to the best of you knowledge and belief:
(1) the time and cause of loss;
(2) the interest of the "insured" and all others in the property involved and all liens on the property;
(3) other insurance that may cover the loss;
(4) changes in title or occupancy of the property during the term of the policy; and
(5) the inventory of damaged personal property described in paragraph 1.c. above.
2. EXPENSES. We will pay for loss adjustment and legal expenses, including court costs and interest, which may be incurred by the “insured” with our consent in the investigation or defense of claims, suits or other legal proceedings. We will not be liable for salaries and expenses of any “insureds” employee expended or incurred in investigation, adjustment or litigation.
3. SETTLEMENT OF LOSS: Any claim recoverable hereunder for damage and/or destruction will be adjusted and paid upon presentation of evidence substantiating such damage and/or destruction. We will adjust and pay any claim recoverable hereunder for lost property upon failure to recover the property lost after the lapse of a reasonable time, providing the “insured” will present evidence substantiating such loss and values involved.
4. LEGAL ACTION: No action or proceeding for the recovery of any claim under the policy will be sustainable in any court of law or equity unless it is commenced within twelve (12) months next after discovery by the "insured" of the occurrence that leads to the claim.
5. SUBROGATION OR LOAN: If in the event of loss or damage the “insured” acquires any right of action against any individual, firm or corporation for loss of, or damage to, property covered hereunder the “insured” will, if requested by the Company, assign and transfer such claim or right of action to the Company. At the Company’s option, the “insured” will execute and deliver to the Company the customary form of loan receipt upon receiving an advance of funds in respect to the loss or damage. The “insured” will subrogate the Company to, or hold in trust for the Company, all such rights of action to the extent of the amount paid or advanced, and will permit suit to be brought in the “insureds” name under the direction of and at expense of the Company.
6. OTHER INSURANCE: Other insurance may be available to cover your loss. If so, we will pay in addition to other such insurance. However, we will not pay more than the applicable limit of coverage shown in the Schedule of this summary.
7. REPLACEMENT COST COVERAGE: The following loss settlement procedure applies to all property under the policy form.
We will pay no more than the least of the following amounts:
a. Replacement cost at the time of loss without deduction for depreciation.
b. The full cost of repair at the time of loss.
c. The limit of liability that applies to this coverage per person.
SECTION III - DEFINITIONS
A. "Accident" includes continuous or repeated exposure to the same conditions resulting in "property damage".
B. "Auto" means a land motor vehicle or trailer designed for travel on public roads.
C. "Certificate holder" means the person, organization, franchisee, licensee, or association member listed as an additional "policyholder" on a Certificate of Insurance.
D. "Coverage period" means the period the "rental agreement" is in effect for the "rental vehicle" and the "rentee"
E. "Insured" means the person or organization qualifying as an insured in the WHO IS INSURED provision of SECTION I., Part B.
F. "Policyholder" means the person or organization listed in the Declarations, or its subsidiaries.
G. “Policy period” is the period during which the “policyholder” or “certificate holder” may offer coverage under the policy to an “insured”, this does not include the “coverage period”.
H. "Property damage" means damage to or loss of use of tangible property.
I. "Rental agreement" means the written contract by which the "rentee" rents or leases the "rental vehicle".
J. "Rental vehicle" means the "auto" rented or leased by the "rentee" from the "policyholder" and described in the "rental agreement".
K. "Rentee" means the person or organization who rents or leases a motor vehicle from the "policyholder", and whose name is listed first on the "rental agreement”.
STATE SPECIFIC INFORMATION
CALIFORNIA –Department of Insurance Consumer Hotline 1- 800-927-4357
KENTUCKY – Underwriting insurer is authorized to transact insurance in the State of Kentucky
MARYLAND NOTICE: “You may not need the automobile insurance offered by the Rental Operator. Your automobile insurance policy may provide coverage for your liability while operating a rental vehicle. You should check the terms and conditions of your automobile insurance policy to determine if coverage is provided for this rental. The purchase of insurance is not required as a condition of renting an automobile. In addition, if you are driving this rental vehicle due to an accident or repairs, state law may require your personal automobile liability policy to provide coverage and purchase of any excess liability coverage may duplicate coverage required by law to be provided by the owner of the rental vehicle.”
MONTANA – Department of Insurance Consumer Hotline 1- 800-332-6148
NEW MEXICO – License Department of Insurance Consumer Hotline 1- 800-947-4722 or 505-827-4337
SOUTH CAROLINA – Dispute Resolution Notice: Disputes involving insurance must first be handled with the vehicle rental company and insurers. If the dispute cannot be resolved, the renter may contact the South Carolina DOI Consumer Services Division at 1-800-768-3467.
WASHINGTON – Department of Insurance Hotline in WA 1-800-562-6900 All other 1-360-753-3613
In the states of Kentucky, Nebraska, and South Dakota benefits are primary to any other like coverage.
OPTIONAL
PERSONAL PROPERTY COVERAGE SUMMARY
PERSONAL PROPERTY COVERAGE SUMMARY
Personal Property Coverage (PPC) protects against damage to personal effects owned by the “rentee”, as well as any immediate family members of the “rentee”, who permanently reside in the “rentee’s” household and are traveling with the “rentee”.
THE MAXIMUM COVERAGE AVAILABLE IS:
SCHEDULE - PERSONAL PROPERTY PLAN:
$600 PER PERSON,
$1,800 AGGREGATE LIMIT
Personal Property Coverage does not cover all property that you may own and have with you while riding or operating a rental vehicle. Certain exclusions apply to this coverage.
IN THE EVENT OF AN ACCIDENT:
1. Contact the police immediately.
2. Contact your rental agent and advise them of an accident.
TO FILE A CLAIM
1. Contact your rental agent for a claim form.
2. Complete the claim form and send it, along with a copy of your rental agreement and a copy of the police report to:
Zurich Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
Phone Number: 1-888-680-8002
Fax Number: 1-402-963-5329
THIS COVERAGE SUMMARY IS NOT A STATEMENT OF CONTRACT, NOR IS IT A COMPLETE DESCRIPTION OF THE COVERAGES, EXCLUSIONS, CONDITIONS AND DEFINITIONS FOUND WITHIN THE COMPLETE POLICY. THERE MAY BE ADDITIONAL EXCLUSIONS OR CONDITIONS THAT APPLY.
THIS SUMMARY OF COVERAGE CONTAINS CERTAIN PROVISIONS THAT MAY NOT BE APPLICABLE IN ALL STATES. A COPY OF EACH POLICY IS AVAILABLE FOR REVIEW UPON REQUEST TO THE RENTAL OPERATOR.
THIS COVERAGE MAY DUPLICATE OTHER COVERAGE ALREADY AVAILABLE TO YOU UNDER YOUR OWN PERSONAL AUTO INSURANCE POLICY OR OTHER INSURANCE AVAILABLE TO YOU. THE PURCHASE OF THIS INSURANCE IS NOT REQUIRED TO RENT A VEHICLE.
EMPLOYEES, AGENTS OR ENDORSEES OF RENTAL OPERATOR ARE NOT QUALIFIED TO EVALUATE THE ADEQUACY OF RENTEE’S EXISTING COVERAGE.
THIS POLICY IS UNDERWRITTEN BY EMPIRE FIRE AND MARINE INSURANCE COMPANY, MEMBER OF ZURICH FINANCIAL SERVICES GROUP.
Rental Liability Insurance
COMMERCIAL RENTAL LIABILITY INSURANCE SUMMARY
“Commercial Rental Liability Insurance” (RLI) is OPTIONAL protection you can purchase when you rent a vehicle.
“Commercial Rental Liability Insurance” protects you against claims made by a third party for “bodily injury” and/or “property damage” sustained as a result of an “accident” while you are operating a “rental vehicle”.
“Commercial Rental Liability Insurance” provides primary liability coverage up to the required financial responsibility limits of the state in which the vehicle is rented. This coverage is primary insurance.
“Commercial Rental Liability Insurance” does not cover all situations that may arise while operating a “rental vehicle”.
IN THE EVENT OF AN ACCIDENT:
1. Contact the police immediately.
2. Contact your rental agent and advise them of an accident.
TO FILE A CLAIM:
1. Contact your rental agent for a claim form.
2. Complete the claim form and send it, along with a copy of your rental agreement and a copy of the police report to:
Zurich Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
Phone Number: 1-888-680-8002
Fax Number: 1-402-963-5329
THIS COVERAGE SUMMARY IS NOT A STATEMENT OF CONTRACT, NOR IS IT A COMPLETE DESCRIPTION OF THE COVERAGES, EXCLUSIONS, CONDITIONS AND DEFINITIONS FOUND WITHIN THE COMPLETE POLICY. THERE MAY BE ADDITIONAL EXCLUSIONS OR CONDITIONS THAT APPLY.
THIS SUMMARY OF COVERAGE CONTAINS CERTAIN PROVISIONS THAT MAY NOT BE APPLICABLE IN ALL STATES. A COPY OF EACH POLICY IS AVAILABLE FOR REVIEW UPON REQUEST TO THE RENTAL OPERATOR.
THIS COVERAGE MAY DUPLICATE OTHER COVERAGE ALREADY AVAILABLE TO YOU UNDER YOUR OWN PERSONAL AUTO INSURANCE POLICY OR OTHER INSURANCE AVAILABLE TO YOU. THE PURCHASE OF THIS INSURANCE IS NOT REQUIRED TO RENT A VEHICLE.
EMPLOYEES, AGENTS OR ENDORSEES OF RENTAL OPERATOR ARE NOT QUALIFIED TO EVALUATE THE ADEQUACY OF RENTEE’S EXISTING COVERAGE.
THIS POLICY IS UNDERWRITTEN BY EMPIRE FIRE AND MARINE INSURANCE COMPANY, MEMBER OF ZURICH FINANCIAL SERVICES GROUP.
COMMERCIAL RENTAL LIABILITY INSURANCE COVERAGE
Throughout this summary the words “we”, “us” or “our” refer to the Insurance Company. The words “you” or “your” refer to the Insured. In addition, certain words or phrases identified by quotation mark are defined in SECTION III – DEFINITIONS.
SECTION I – COMMERCIAL RENTAL LIABILITY INSURANCE
A. COVERAGE
1. We will pay all sums an “insured” legally must pay as damages because of “loss” involving “bodily injury” or “property damage” caused by an “accident” and resulting from the use of a covered “rental vehicle” operated by an “insured” during the “coverage period”.
2. We have the right and the duty to defend any claim or suit made or brought against the “insured”. However, we have no duty to defend an "insured” against a suit seeking damages for “bodily injury” or “property damage” to which this insurance does not apply. We may investigate and settle any claim or suit as we consider appropriate. We will not defend any suit or make additional payments after we have paid or tendered our limit of liability for this coverage.
3. We have no duty to defend any claim or suit made or brought against the “policyholder” or “unauthorized drivers”.
B. WHO IS AN INSURED
Only the following are “insureds”:
1. the “Rentee” who has:
a. Entered in to a written “rental agreement” with the “policyholder”; and
b. Elected in writing to purchased optional “Commercial Rental Liability Insurance”; and
c. Paid for optional “Commercial Rental Liability Insurance”.
2. The additional authorized drivers whose names appear on the “rental agreement”, where the “rentee” has complied with a., b. and c. above.
C. WHO IS NOT AN INSURED
The following are not “insureds”:
1. The “policyholder” or owner of the “rental vehicle”, or
2. Any employee, agent or family member of the “policyholder”, or
3. Any driver who is not an authorized driver under the terms of the “rental agreement” or whose name does not appear on the “rental agreement”.
D. LIMIT OF INSURANCE
Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the limit of insurance is as follows:
1. The most we will pay for all damages resulting from "bodily injury" to any one person caused by any one "accident" is the limit of "Bodily Injury" Liability shown in the Schedule for each person. This includes all damages claimed by any one person or organization for care, loss of services or death resulting from the "bodily injury". Any claims for loss of consortium or injury to the relationship shall be included in this limit.
2. Subject to the limit for each person, the most we will pay for all damage resulting from "bodily injury" caused by any one "accident" is the limit of "Bodily Injury" Liability shown in the Schedule for each "accident".
3. The most we will pay for all damages resulting from "property damage" caused by any one "accident" is the limit of "Property Damage" Liability shown in the Schedule.
E. EXCLUSIONS
This insurance does not apply to the following:
1. “Loss” arising out of an “accident” that occurs while the “insured” is under the influence of alcohol or drugs, or other substances unless prescribed by a physician.
2. “Loss” arising out of the use of a “rental vehicle” when such use is in violation of the terms and conditions of the “rental agreement”.
3. Any “insured’s liability for damage to the “rental vehicle”, including loss of use and diminished value of the “rental vehicle”.
4. “Bodily Injury” or “property damage” expected or intended from the standpoint of the “insured”.
SECTION II – CONDITIONS
A. LOSS CONDITIONS
1. DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS. Whenever it appears that an "accident" or "loss" is likely to involve this policy, the "policyholder" or “insured” shall give us written notice as soon as practicable. Such notice must include how, when and where the “accident” or “loss” occurred and to the extent possible, the names and addresses of any other drivers, injured persons and witnesses.
Additionally, you and any other involved “insured” must not assume any obligation, make any payment or incur any expense without our consent, except at the “insureds” own cost. You must immediately send copies of any request, demand, order, notice, summons or legal paper received concerning the claim. The “insured” must cooperate with us in the investigation, settlement or defense of the claim. Also you agree to authorize and allow us to obtain medical records, recorded statements, examinations under oath and submit to an examination at our expense, by a physician of our choice.
2. LEGAL ACTION AGAINST US. No one may bring a legal action against us under this coverage form until there has been full compliance with all terms of this coverage form.
3. EXPENSES. The Company will not be responsible for any claim expense once the Commercial Rental Liability Limit is paid or tendered. Before the exhaustion or payments of the Commercial Rental Liability Limit we may request an “insured” to incur attorney fees, court costs or other expenses in the investigation or defense of claims, suits or other legal proceedings. We will be responsible for payment of those expenses. We are not responsible for salaries or expenses of an “insured” or any “insured’s” employee in the investigation or defense of a claim, suit or other legal proceeding without our prior consent.
4. APPEALS. If an "insured" decides not to appeal judgments in excess of the Commercial Rental Liability Limit, we may elect to appeal such judgments at our own expense, but in no event shall our liability for “bodily injury” or “property damage” exceed the Commercial Rental Liability Limit, plus expenses incurred in such an appeal.
5. SUBROGATION. In the event of any payment under this coverage, we shall participate with the "insured" in the exercising of all of the “insureds" rights of recovery against any person or organization liable therefore. The "insured" must do everything necessary to secure our rights and do nothing after the "loss" to impair them.
6. OTHER INSURANCE. For any covered “rental vehicle” which is leased or rented for less than 30 days to a “rentee” through a
signed “rental agreement” and who has paid for the leasing of the vehicle this insurance is primary.
If there is other applicable liability insurance we will pay only our share of the “loss”. Our share is the proportion that our limit of liability bears to the total of all applicable limits.
B. GENERAL CONDITIONS
1. TERMINATION. This coverage will terminate at the time a "rentee" ceases to be an authorized "rentee" of the "policyholder" under the "rental agreement."
2. POLICY TERRITORY. We cover “losses” that occur during the “policy period” within the United States or its territories and possessions, Puerto Rico and Canada. This policy territory does not include Mexico.
UNINSURED AND UNDERINSURED MOTORISTS COVERAGE
Uninsured and/or Underinsured Motorists Coverage may or may not be Optional if you have purchased “Commercial Rental Liability Insurance”.
If purchased, or if required by state law, Uninsured Motorists Coverage will provide coverage to the “rentee”, authorized drivers and passengers who sustain “bodily injury” caused by an “accident” in which a third party is liable. The third party’s liability for these damages must result from the ownership, maintenance or use of an uninsured motor vehicle. An uninsured motor vehicle is a land motor vehicle for which no liability bond or policy applies at the time of the “accident”.
If purchased, or if required by state law, Underinsured Motorists Coverage will provide coverage to the “rentee”, authorized drivers and passengers who sustain “bodily injury” caused by an “accident” in which a third party is liable. The third party’s liability for these damages must result from the ownership, maintenance or use of an underinsured motor vehicle. An underinsured motor vehicle is a land motor vehicle for which a liability bond or policy applies at the time of the accident, but its limit for bodily injury liability is either: 1) Not enough to pay the full amount the “rentee”, authorized drivers or passengers are legally entitled to recover as damages; or 2) reduced by payments to persons other than to the “rentee”, authorized driver or passengers injured in the accident to less than they are entitled to recover.
The limits for uninsured and/or underinsured motorist coverage are the required financial responsibility limits of the state in which the vehicle is licensed.
There are many conditions and exclusions associated with Uninsured and/or Underinsured Motorists coverage. Coverage varies with state laws. This is only a summary of the coverage.
NO-FAULT COVERAGE
No-Fault Coverage may or may not be Optional if you purchased “Commercial Rental Liability Insurance”.
If purchased, or if required by state law, No-Fault Coverage will pay benefits to the “rentee”, authorized drivers and passengers who sustain “bodily injury” subject to the maximum limit as shown in the Declarations. The “accident” must involve a “rental vehicle” and occur during the “coverage period”. There are many conditions and exclusions associated with No-Fault coverage. Coverage varies with state laws. This is only a summary of the coverage.
SECTION III – DEFINITIONS
A. "Accident" includes continuous or repeated exposure to the same conditions resulting in "bodily injury" or "property damage".
B. "Auto" means a land motor vehicle, trailer or semi trailer designed for travel on public roads.
C. "Bodily injury" means bodily injury, sickness or disease sustained by a person including death resulting from any of these.
D. "Coverage period" means the period of time the "rental agreement" is in effect for the "rental vehicle" and the "rentee".
E. "Insured" means the person qualifying as an insured in the WHO IS INSURED provision and indicated as an insured through a certificate of insurance.
F. "Loss" means legal liability arising out of an "accident" causing “bodily injury” or “property damage” involving a "rental vehicle" that is operated by an “insured” and occurs during the “policy period”.
G. "Policyholder" means the person or organization listed in the declarations, or its subsidiaries.
H. “Policy period” is the period during which the “policyholder” may offer coverage under the policy to any “insured”. This is not the same as the “coverage period”.
I. "Property damage" means damage to or loss of use of tangible property.
J. "Rental vehicle" means the "auto" rented or leased by the "rentee" from the "policyholder" and described in the "rental agreement".
K. "Rentee" means the person or organization named in the rental agreement who rents or leases a motor vehicle from the "policyholder".
L. "Commercial Rental Liability Insurance" means primary commercial rental liability insurance elected under a signed “rental agreement” for which premium is paid.
M. "Rental agreement" means a signed written contract by which the "rentee" rents or leases the "rental vehicle."
N. “Unauthorized drivers” means any driver not listed on the “rental agreement”.
STATE SPECIFIC INFORMATION
CALIFORNIA –Department of Insurance Consumer Hotline 1- 800-927-4357
KENTUCKY – Underwriting insurer is authorized to transact insurance in the State of Kentucky
MARYLAND NOTICE: “You may not need the automobile insurance offered by the Rental Operator. Your automobile insurance policy may provide coverage for your liability while operating a rental vehicle. You should check the terms and conditions of your automobile insurance policy to determine if coverage is provided for this rental. The purchase of insurance is not required as a condition of renting an automobile. In addition, if you are driving this rental vehicle due to an accident or repairs, state law may require your personal automobile liability policy to provide coverage and purchase of any excess liability coverage may duplicate coverage required by law to be provided by the owner of the rental vehicle.”
MONTANA – Department of Insurance Consumer Hotline 1- 800-332-6148
NEW MEXICO - License Department of Insurance Consumer Hotline 1- 800-947-4722 or 505-827-4337
SOUTH CAROLINA – Dispute Resolution Notice: Disputes involving insurance must first be handled with the vehicle rental company and insurers. If the dispute cannot be resolved, the rentee may contact the South Carolina DOI Consumer Services Division at 1-800-768-3467.
WASHINGTON - Department of Insurance Hotline in WA 1-800-562-6900 All other 1-360-753-3613
In the states of Kentucky, Nebraska, and South Dakota benefits are primary to any other like coverage.
Supplemental Liability Insurance
OPTIONAL SUPPLEMENTAL LIABILITY INSURANCE SUMMARY
“Supplemental Liability Insurance” (SLI) protects you against claims made by a third party for “bodily injury” and/or “property damage” sustained as a result of an accident while you are operating a “rental vehicle”.
This coverage is excess over the “underlying insurance” specified within your signed “rental agreement”.
Maximum coverage available to you is the difference between the “underlying insurance” specified within your signed “rental agreement” and $1,000,000 for “bodily injury” and “property damage” combined. Coverage does not apply unless you have elected and paid for SLI.
Supplemental Liability Insurance (SLI) does not cover all situations that may arise while operating a rental vehicle.
IN THE EVENT OF AN ACCIDENT:
1. Contact the police immediately.
2. Contact your rental agent and advise them of an accident.
TO FILE A CLAIM:
1. Contact your rental agent for a claim form.
2. Complete the claim form and send it, along with a copy of your rental agreement and a copy of the police report to:
Zurich Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
Phone Number: 1-888-680-8002
Fax Number: 1-402-963-5329
THIS COVERAGE SUMMARY IS NOT A STATEMENT OF CONTRACT, NOR IS IT A COMPLETE DESCRIPTION OF THE COVERAGES, EXCLUSIONS, CONDITIONS AND DEFINITIONS FOUND WITHIN THE COMPLETE POLICY. THERE MAY BE ADDITIONAL EXCLUSIONS OR CONDITIONS THAT APPLY.
THIS SUMMARY OF COVERAGE CONTAINS CERTAIN PROVISIONS THAT MAY NOT BE APPLICABLE IN ALL STATES. A COPY OF EACH POLICY IS AVAILABLE FOR REVIEW UPON REQUEST TO THE RENTAL OPERATOR.
THIS COVERAGE MAY DUPLICATE OTHER COVERAGE ALREADY AVAILABLE TO YOU UNDER YOUR OWN PERSONAL AUTO INSURANCE POLICY OR OTHER INSURANCE AVAILABLE TO YOU. THE PURCHASE OF THIS INSURANCE IS NOT REQUIRED TO RENT A VEHICLE.
EMPLOYEES, AGENTS OR ENDORSEES OF RENTAL OPERATOR ARE NOT QUALIFIED TO EVALUATE THE ADEQUACY OF RENTEE’S EXISTING COVERAGE.
THIS POLICY IS UNDERWRITTEN BY EMPIRE FIRE AND MARINE INSURANCE COMPANY, MEMBER OF ZURICH FINANCIAL SERVICES GROUP.
SECTION I - LIABILITY INSURANCE
Throughout the policy the words "we", "us" or "our" refer to the Insurance Company. The words "you" or "your" refer to the Insured. In addition, certain words or phrases identified by quotation marks are defined in SECTION III - DEFINITIONS.
A. COVERAGE
The policy provides excess auto liability insurance and only applies to a "loss" involving "bodily injury" and "property damage" caused by an accident and resulting from the use of a covered "rental vehicle" for which underlying limits are provided by either the rental operator or "rentee".
We will indemnify any "insured" for such "loss" in excess of the "underlying insurance" for which this coverage applies, during the "coverage period", provided our liability shall apply only to the "ultimate net loss" in excess of such "underlying insurance".
We have no duty to defend any claim or suit made or brought against you if your "underlying insurance" has a duty to defend. However, we have the right and shall be given the opportunity to investigate and be associated in the defense and trial of any claim, suit or proceeding which in our opinion may create a liability on our part under the policy. If we exercise this right, we will assume our proportionate share of all court costs, legal fees, investigation costs and interest incurred with our consent. We will not defend any suit or make additional payments after we have paid or tendered our limit of liability for this coverage.
B. WHO IS AN INSURED
1. Only the following are insureds under the policy:
a. The "rentee" who has:
(1) Entered into a "rental agreement" with the "policyholder"; and
(2) Elected under the "rental agreement" to purchase optional "supplemental rental liability insurance", and
(3) Paid for optional "supplemental rental liability insurance".
b. Additional authorized drivers whose names appear on the "rental agreement", where the "rentee" has complied with a. (1), (2), and (3) per above.
2. The following are not insureds under the policy:
a. The "policyholder", "certificate holder" or owner of the "rental vehicle", or
b. Any employee, agent or family member of the "policyholder" or "certificate holder", or
c. Any driver who is not an authorized driver under the terms of the "rental agreement".
C. LIMIT OF INSURANCE
Regardless of the number of insureds, "rental vehicles", premiums paid, number of rentals made, or claims made, the most we will pay for "ultimate net loss" is the difference between the limits of liability provided by the "underlying insurance" and the "supplemental rental liability insurance” limit shown in this coverage summary.
D. EXCLUSIONS
In addition to those exclusions contained in the "underlying insurance", this insurance does not apply to the following:
1. “Loss” arising out of an accident which occurs while the insured is under the influence of alcohol or drugs, or other substances unless prescribed by a physician.
2. “Loss” arising out of the use of a "rental vehicle" when such use is in violation of the terms and conditions of the "rental agreement".
3. Loss arising out of the operation of the "rental vehicle" by any driver who is not an insured.
4. Any insureds liability for damage to the "rental vehicle".
5. “Loss” while any auto is being used to transport people or personal property for a fee, regardless of whether the fee is set out specifically for transportation cost or included with the cost as a package of services provided to the general public.
6. Violation of a "rental agreement".
SECTION II – CONDITIONS
A. LOSS CONDITIONS
1. NOTICE OF LOSS. Whenever it appears that an accident or "loss" is likely to involve the policy, the "policyholder" or "rentee" shall give us written notice as soon as practicable.
2. SUIT. No legal action can be brought against us unless the provisions of the policy have been complied with, and the amount of your obligation to pay has been decided.
3. EXPENSES. If at our request an insured has incurred attorney fees, court costs or other expenses including interest in the investigation or defense of claims, suits or other legal proceedings, we will be responsible for payment of them. We are not responsible for salaries or expenses of an insured or any insureds employee in the investigation or defense of a claim, suit or other legal proceeding without our prior consent.
4. APPEALS. If an insured or underlying insurer elects not to appeal judgments in excess of the "underlying insurance", we may elect to appeal such judgments at our own expense, but in no event shall our liability for "ultimate net loss" exceed the limit of liability plus expenses incurred in such an appeal.
5. SUBROGATION. In the event of any payment under the policy, we shall participate with the insured and any underlying insurer in the exercising of all of the insureds rights of recovery against any person or organization liable therefore. The insured must do everything necessary to secure our rights and do nothing after the "loss" to impair them.
B. GENERAL CONDITIONS
1. CHANGES. The policy together with the "rental agreement" constitutes the entire contract of insurance. No agent has authority to change the policy or waive any of its provisions.
2. TERMINATION. This coverage will terminate at the time a "rentee" ceases to be a "rentee" of the "policyholder" under the "rental agreement".
SECTION III – DEFINITIONS
A. "Bodily injury" means bodily injury, sickness or disease sustained by a person including death resulting from any of these.
B. "Certificate holder" means the person or organization, franchisee, licensee, or association member listed as an additional "policy holder" on a Certificate of Insurance.
C. "Coverage period" means the period of time the "rental agreement" is in effect for the "rental vehicle" and the "rentee".
D. "Loss" means legal liability arising out of an accident involving a "rental vehicle" which occurs during the “policy period”.
E. "Policyholder" means the person or organization listed in the Declarations, or its subsidiaries.
F. "Policy period" is the period during which the "policyholder" or "certificate holder" may offer coverage under the policy to any insured. This does not include the "coverage period".
G. "Property damage" means damage to or loss of use of tangible property.
H. "Rental agreement" means the rental contract by which the "rentee" rents or leases the "rental vehicle".
I. "Supplemental rental liability insurance" means optional excess liability made available to and elected by a "rentee" for which premium is paid.
J. "Rental vehicle" means the auto rented or leased by the "rentee" from the “policyholder” and described in the "rental agreement".
K. "Rentee" means the person or organization who rents or leases a motor vehicle from the "policyholder".
L. "Ultimate net loss" means all sums actually paid by an insured, or for which an insured becomes legally obligated to pay, as damages in settlement or satisfaction of a "loss" for which insurance is provided by the policy, after deduction for al1 recoveries or salvage.
M. "Underlying insurance" means the policy, policies or self insurance, maintained by the rental operator or "rentee" which provides at least the Minimum Financial Responsibility limits, where the accident occurred. This definition is associated with the terms and conditions as required under an automobile liability insurance policy.
STATE SPECIFIC INFORMATION
CALIFORNIA –Department of Insurance Consumer Hotline 1- 800-927-4357
KENTUCKY – Underwriting insurer is authorized to transact insurance in the State of Kentucky
MARYLAND NOTICE: “You may not need the automobile insurance offered by the Rental Operator. Your automobile insurance policy may provide coverage for your liability while operating a rental vehicle. You should check the terms and conditions of your automobile insurance policy to determine if coverage is provided for this rental. The purchase of insurance is not required as a condition of renting an automobile. In addition, if you are driving this rental vehicle due to an accident or repairs, state law may require your personal automobile liability policy to provide coverage and purchase of any excess liability coverage may duplicate coverage required by law to be provided by the owner of the rental vehicle.”
MONTANA – Department of Insurance Consumer Hotline 1- 800-332-6148
NEW MEXICO - License Department of Insurance Consumer Hotline 1- 800-947-4722 or 505-827-4337
SOUTH CAROLINA – Dispute Resolution Notice: Disputes involving insurance must first be handled with the vehicle rental company and insurers. If the dispute cannot be resolved, the rentee may contact the South Carolina DOI Consumer Services Division at 1-800-768-3467.
WASHINGTON - Department of Insurance Hotline in WA 1-800-562-6900 All other 1-360-753-3613
In the states of Kentucky, Nebraska, and South Dakota benefits are primary to any other like coverage.
California Insurance Disclosure
RENTAL COMPANY CALIFORNIA DEPARTMENT OF INSURANCE DISCLOSURE
Zurich North America
THE PURCHASE OF ANY INSURANCE OFFERED TO THE RENTER IS NOT A REQUIRED CONDITION OF RENTING AN AUTO.
THE INSURANCE POLICIES OFFERED BY THE RENTAL CAR AGENT MAY PROVIDE A DUPLICATION OF COVERAGE ALREADY PROVIDED BY THE RENTER’S PERSONAL AUTOMOBILE INSURANCE POLICY OR BY ANOTHER SOURCE OF COVERAGE .
THE RENTAL CAR AGENT IS LICENSED TO SELL INSURANCE PRODUCTS BEING OFFERED TO YOU, BUT IS NOT QUALIFIED OR AUTHORIZED TO EVALUATE THE ADEQUACY OF THE RENTERS EXISTING INSURANCE COVERAGE .
CALIFORNIA DEPARTMENT OF INSURANCE RENTAL CAR AGENTS REQUIREMENTS SECTION 1758.82(b)(2) AND SECTION 1758.86(c)