American residents with our Collision Damage Coverage: How damages are paid

The way US rental companies react to collisions where their renter has an independent plan (like our Rental Car Damage Protection) differs between each rental company.

If you have our Rental Car Damage Protection plan and a US claim, depending on the rental company, the extent of damage and other factors, one of these two scenarios will take place (if the claim is approved). We will keep you informed after you submit your claim:

1. You will pay for the damages up front and seek reimbursement under your plan, or
2. The rental company will work with us so you do not need to make any payment.

This is not an exhaustive list and there are exceptions on a state-by-state basis. Is your rental company missing? Let us know so we can add it for you.

Want more information? Our Rental Guides explain how everything works.

Who pays if you bring your RentalCover.com Collision Damage Coverage Plan?

Who pays the damage bill?How is the bill paid?What else you need to know
CDW InsurerACE will liaise directly with us

• ACE will contact your CDW Insurer immediately after an accident or upon return of vehicle.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), ACE won't charge you but will keep on trying contacting your CDW Insurer.

Who pays the damage bill?How is the bill paid?What else you need to know
CDW InsurerAlamo will liaise directly with us

• Alamo will contact your CDW Insurer immediately after an accident or upon return of vehicle.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Who pays the damage bill?How is the bill paid?What else you need to know
CDW InsurerAdvantage will liaise directly with us

• You need to quickly engage your CDW Insurer. Your CDW Insurer would be responsible for the damages.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will need to keep contacting your CDW Insurer, but Advantage won't charge you for the damages.

Who pays the damage bill?How is the bill paid?What else you need to know
CDW InsurerAvis will liaise directly with us

• Avis will contact your CDW Insurer immediately after an accident or upon return of vehicle.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Who pays the damage bill?How is the bill paid?What else you need to know
Plan holderBudget will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.


• Budget will do a credit check on the plan holder at time of pickup and will most likely check your credit limit.

Who pays the damage bill?How is the bill paid?What else you need to know
CDW InsurerDollar will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• Dollar will contact your CDW Insurer immediately after an accident or upon return of vehicle.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Who pays the damage bill?How is the bill paid?What else you need to know
Plan HolderEnterprise will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• Enterprise will charge a deductible directly to your credit card in the event of damages ($500 - $1000).


• You will need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.

Who pays the damage bill?How is the bill paid?What else you need to know
Plan HolderHertz will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.


• Hertz will do a credit check on the plan holder at time of pickup and will most likely check your credit limit.

Who pays the damage bill?How is the bill paid?What else you need to know
Plan HolderNational will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.


• National will do a credit check on the plan holder at time of pickup and will most likely check your credit limit.

Who pays the damage bill?How is the bill paid?What else you need to know
Plan HolderZipcar will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to us.

• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.


• Zipcar will do a credit check on the plan holder at time of pickup and will most likely check your credit limit.


Want more information? Our Rental Guides explain how everything works.

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