United States Drivers License
100/300/50 (Drivers must provide proof of insurance that covers any and all liability claims up to $300k and with a maximum $1,000 deductible.
**Drivers License and Full Coverage Insurance must be verified before any rental commences.**
***Lamborghini and Exotic Vehicle rental guest must be age 25+
***Motorcycle rentals will require full insurance verification before trip start. We also offer select insurance coverage through our policy.
Do You Need Rental Car Insurance? Many clients ask “do I need rental car insurance coverage?” Well that depends on several different factors. Most insurance policies within the US will transfer over to our rental vehicles, but you want to make sure you and the car are covered without breaking the bank and paying for extra coverage you do not need.
Do I need rental Car Insurance Coverage? Step 1: Check your personal auto policy. Your insurance binder will have what coverages you currently have and will be in your online portal for each major insurance provider. We will verify your coverage for every vehicle with your consent. You may also contact your provider to see what coverages you have before hand. If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States.Most rental cars in the US of similar value to your personal car, will likely be enough for the rental coverage. Keep in mind that if you are wanting to rent a brand new Lamborghini you may not be covered. Verification will need to be done before each rental.
-Credit card company, if you use it for your car rental booking they may also provide extended coverage to you. If there are any gaps in coverage with your personal auto policy, the credit card company could provide secondary coverage.
Do we offer Rental Car coverage and what Is Covered Under A Typical Rental Car Insurance Policy? We offer additional coverage up to $50,000.
Rental car insurance is usually broken out into the following coverages:
Insurance you likely already have
-Liability coverage. This is the foundation and most basic component of most car insurance policies. If you have adequate liability coverage on your own vehicle (check with your insurance provider), you may choose to skip this one.
-Personal accident insurance. If you have health insurance or personal injury protection on your personal auto policy this is not needed. This insurance covers your medical bills in the event of a crash in the rental car.
Rental Car Coverages that might be worth purchasing
-Collision Damage Waiver (CDW)/Loss Damage Waiver. This is not insurance, but it will waiver the financial responsibility from you to us in case of damage or theft. This will also provide coverage for “loss of use” while the car is repaired or out of commission. Please inquire with us if you would like this coverage or chose it during checkout.
-Personal Effects Coverage. Surprisingly and what most people do not know is if you have homeowner’s insurance or renter’s insurance your personal items being stolen or damaged in the event of a car break in or other accident may already be covered by your policy. Check with your policy to make sure you are covered.
Please contact us at (808) 927-4593 if you have any other questions.
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