Optional coverage
Rental Car Damage provides reimbursement for damage to, or theft of, a rental vehicle during a covered trip.
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.