Purchase Supplemental Liability, Personal Accident and Personal Effects Insurance
Verify Your Rental Operator Participation
Supplemental Liability Insurance (SLI) is excess liability insurance that protects you and any authorized driver, as defined in the Rental or Sharing Agreement, against third party automobile claims for bodily injury and property damage caused during authorized use of the Rental or Shared vehicle.
SLI provides you with the following benefits:
- When you accept SLI, the policy may provide you with excess coverage for the difference between that provided in your Rental or Sharing Agreement (minimum requirement is the state financial responsibility mandated by the applicable insurance jurisdiction) and $1,000,000. Internal Limits Apply: $200,000 per person Bodily Injury limit per Accident (Included In Aggregate limit and reduced by any other valid and collectible insurance).
- The $50,000 property damage limit is reduced by any valid and collectible insurance including the primary (state minimum financial responsibility limit) and is also included in the maximum aggregate limit of $1,000,000 as described above
- If there is any other valid and collectible insurance in effect (i.e. personal automobile liability coverage) then the available protection under the SLI coverage would be reduced by the amount of the underlying insurance. SLI coverage is always in excess to other valid and collectible insurance and the last payor.
- For Motorcycles, defined as vehicles with three or less wheels, Bodily Injury limits of $300,000 apply. Internal Limits Apply: $60,000 per person Bodily Injury limit per Accident (Included In Aggregate limit and reduced by any other valid and collectible insurance). Property Damage limit is $10,000, excess of underlying coverage and is included in the $300,000 combined maximum aggregate limit.
The purchase of any of the insurance described above is not required in order to rent a vehicle.
The policies may provide a duplication of coverage already provided by a renter's personal insurance policy, homeowner's insurance policy, personal liability insurance policy, or other source of coverage.
Acceptance is proof of coverage under the policy issued to the Lesser.
STATE LAW - Remember state laws may prohibit or modify the optional products offered. Any offer or description of benefits is void where prohibited by law.
Personal Accident Insurance (PAI) provides 24-hour accident protection to the primary Renter or Sharer and their immediate family for a death while traveling in the Rented or Shared Vehicle during the entire period of the Rental Agreement. Passengers are protected only while in, boarding or alighting from designated vehicle.
- Renter Loss of Life $50,000
- Passenger Loss of Life $ 5,000
Emergency Accidental Medical Expense
Emergency Accidental Medical Expense provides You, Your passengers and Your immediate family with $1,000.00 of 24-hour accidental medical expense coverage while in, boarding or alighting from the designated vehicle for emergency medical expenses and ambulance fees.
Personal Effects Insurance (PEI) provides limited coverage for Your personal belongings from loss or damage caused by theft of, damage to, or accident involving your Rental or Shared Vehicle. Personal Effect Coverage provides reimbursement for the actual cash value of the items subject to certain maximum, deductibles, limitations and exclusions
Personal Effects Coverage protects Your personal belongings as the primary Renter or Sharer and those of Your immediate family traveling with You. The maximum Personal Effects Coverage Amount per rental contract is $525.00, which is subject to a per claim deductible of $25.00. The aggregate limit is $500 per rental contract. Coverage is subject to one claim per rental contract period.
The items not covered are: securities, currency, deeds, artificial teeth or bridges, documents, tickets, eyeglasses/contact lens, prosthetic limbs, automobiles, automobile equipment, animals, motorcycles, motorcycle equipment, motorized boats, motors, other conveyances, perishables, bullion, household furniture. Loss or damage occurring through wear and tear or gradual deterioration, insects or vermin, inherent vice or damage, and "mysterious disappearance" are not covered.
If You violate the terms/conditions or use restrictions of the rental agreement, coverage is void and no coverage is provided for minimum financial responsibility limits even if not provided in Your rental agreement.
For bodily injury or property damage sustained by You or Your relatives, as defined, residing with You or by any authorized driver and/or relatives residing with them. Applies to certain coverage only.
For uninsured motorist, underinsured motorist first party benefits, no-fault, supplemental no-fault or other liability insurance that is optional or can be waived or rejected. When accepting S.L.I., You agree to waive or reject, to the extent allowed by law, any such insurance.
If You fail to accept any of the coverage at the start of the Rental or Sharing agreement.
If there is a failure to pay the charges due and if the vehicle is obtained through misrepresentation.
For fines, penalties, punitive or exemplary damages.
Suicide or any attempt while sane, intentionally self-inflicted injuries or any attempt at it; sickness, disease or bacterial infection; infections which occur as a result of an injury; bacterial infection; attempt to commit a felony; participation or engaging in an act of violence, civil disobedience, civil disorder, riot or insurrection; injury sustained while the covered person is riding in or on any aircraft; hernia unless resulting from a covered accident; participation in professional team sports or other professional athlete activities; being under the influence of any intoxicant or narcotic unless administered on the advice of a physician; dental treatment except as the result of injury to sound natural teeth; replacement eyeglasses or eye examination for the correction of vision; pregnancy or complications thereof or resulting childbirth.
A copy of the insurance policy, as issued by the insurance company, can be made available for review. Coverage is underwritten with Auto Transportation Insurance Group, Inc.
A written request must be made directly to the carrier and this request can be made through the administrative offices of:
ATIG - P.O. Box 222 - Waldwick, NJ 07463
Remember state laws may prohibit or modify the optional products offered. Any offer or description on benefits is void where prohibited by law.
HOW TO MAKE A CLAIM
ALL CLAIMS MUST BE FILED WITHIN 30 DAYS OF KNOWLEDGE OF THE LOSS OR DAMAGE.
Please call the MBA office direct to report a claim: 1-800-622-2201. All claims on S.L.I. must be made within 30 days of the knowledge of an incident or accident that may possibly give rise to the claim (e.i. any damage to a third-party vehicle that could approach $5,000 in repairs and any with bodily injuries). All claims must include: an accident report, a police report, a claim form as obtained from the Vehicle Rental or Sharing location, and a copy of the Rental or Sharing Agreement as rendered at the Rental or Sharing location. All of these documents may be sent to the above indicated address for forwarding to the insurance company. You will then be contacted directly by an adjustor or adjusting company.
The purchase of any of the coverage described herein may duplicate, void or alter existing coverage. Rental and Sharing company employees cannot interpret or advise you on what the policy may or may not cover. If you purchase Supplemental Liability Insurance or Personal Accident/Personal Effects protections, various credit card insurance death benefits could become "excess insurance coverage," meaning that any benefits due are available only if the amount sought in a claim exceeds the policy limits of any other applicable insurance purchased by cardholders, or those benefits could become void. You may duplicate coverage already provided by your personal automobile insurance policy, homeowner's insurance policy, personal liability insurance policy or other sources of coverage. Policies and coverage vary, and Counter Personnel cannot advise you concerning other coverage that may not be applicable.
Availability of Coverages Described:
Federal, state or local law may limit, vary or entirely prohibit the terms, conditions or coverage. Any offer as described herein is void if prohibited by law.