衝突損害保険

How Does It Work?

This zero deductible plan is offered by RentalCover.com. It protects your rental car if it is damaged or stolen and it covers related charges such as loss of use fees, resulting from a collision, when it is driven by (or in the possession of) any licensed driver named on the rental agreement. It is primary coverage which means that you do not have to file a claim with your personal auto plan provided your loss does not exceed the $50,000 maximum benefit amount. There’s also no deductible. 

Several credit card companies offer coverage for damage and theft to rental cars but often it is secondary to your personal auto insurance so you may be responsible for your deductible and your rates may be impacted by the claim.

You can cancel at any time up until pickup for a refund.

You should review your plan for full description of the coverages. 

Summary of Your Collision Damage Protection

You can cancel at any time up until pickup for a refund. 
Coverage applies while the car is driven by (or in the possession of) a licensed driver named on the rental agreement.
You are covered up to $50,000 with $0 deductible.

Coverage applies when you are charged for...

  • Damage to the rental vehicle due to collision (body damage, external glass & lights and, wheels & tires).
  • Theft or vandalism of the rental vehicle.
  • Damages caused by natural disasters: damage due to floods, fire, hail and other natural causes. 
  •  Loss of use fees: Includes fees charged by rental companies for loss of use while the vehicle is being repaired due to damages covered by the plan.

You are also covered for...

  • Up to $7,500 for transportation if there’s severe illness or injury and treatment is not available in the surrounding area.
  • Reimbursement for emergency roadside assistance for your covered vehicle for towing due to a breakdown, flat tire replacement with the spare tire, jump starts and lockouts.*
*Not available to residents of New York, Washington or Montana.

You are not covered where...

  • You or another driver on the rental agreement breach any term of the rental agreement.
  • The event for which you are making a claim occurred before the product was purchased.
  • You have not provided documents that have been requested during the claims process.
Insurance coverages are subject to the terms, limitations, and exclusions in the Plan.  This is not a complete list of exclusions. Please see your Plan documents for details.

Claims

To start your claim, please visit rentalcover.com/claim.

Provide a detailed description of the event.

For all claims we require, as a minimum, a detailed description of the event. We will request documents during the claim process such as rental agreements. If required documents are not provided to us the claim may be rejected or the status changed to “Pending”.

Cancellations

You can cancel at any time up until pickup for a refund.

Important Information

For United States Residents: Rental Car Damage (CDP) coverage is included as part of a travel protection plan.  This advertisement contains highlights of a travel protection plan, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plan also contains non‑insurance Travel Assistance Services provided by OnCall International via Cover Genius Insurance Services, LLC, a Delaware limited liability company. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. License and contact information available here.

Collision Damage Protection (CDP) covers all or a portion of the amount payable to the rental company in the event of loss of or damage to a rental car. In our plans, this coverage is an insurance benefit referred to as Rental Car Damage and Theft Coverage or Rental Car Damage coverage.

State Specific Plans

Select your State to see the full Plan Document

Fraud Warning

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Alaska

A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

Applicable in Arizona

For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

Applicable in California

For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

Applicable in Colorado

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

Applicable in Delaware

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

Applicable in Florida

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Applicable in Idaho

Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

Applicable in Indiana

A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

Applicable in Kansas

A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

Applicable in Kentucky

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Applicable in Maine

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

Applicable in Maryland

Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Minnesota

A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

Applicable in New Hampshire

Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

Applicable in New Jersey

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

Applicable in Pennsylvania

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Applicable in New Mexico

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

Applicable in Ohio

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Applicable in Oklahoma

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

Applicable in Oregon

IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Tennessee

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

Applicable in Texas

Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Applicable in Virginia

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Applicable in Washington

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Applicable in New York

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.  

 

Date Prepared

15 January 2024
 

AH-5125

衝突損害保険

How Does It Work?

This zero deductible plan is offered by RentalCover.com. It protects your rental car if it is damaged or stolen and it covers related charges such as loss of use fees, resulting from a collision, when it is driven by (or in the possession of) any licensed driver named on the rental agreement. It is primary coverage which means that you do not have to file a claim with your personal auto plan provided your loss does not exceed the $50,000 maximum benefit amount. There’s also no deductible. 

Several credit card companies offer coverage for damage and theft to rental cars but often it is secondary to your personal auto insurance so you may be responsible for your deductible and your rates may be impacted by the claim.

You can cancel at any time up until pickup for a refund.

You should review your plan for full description of the coverages. 

Summary of Your Collision Damage Protection

You can cancel at any time up until pickup for a refund. 
Coverage applies while the car is driven by (or in the possession of) a licensed driver named on the rental agreement.
You are covered up to $50,000 with $0 deductible.

Coverage applies when you are charged for...

  • Damage to the rental vehicle due to collision (body damage, external glass & lights and, wheels & tires).
  • Theft or vandalism of the rental vehicle.
  • Damages caused by natural disasters: damage due to floods, fire, hail and other natural causes. 
  •  Loss of use fees: Includes fees charged by rental companies for loss of use while the vehicle is being repaired due to damages covered by the plan.

You are also covered for...

  • Up to $7,500 for transportation if there’s severe illness or injury and treatment is not available in the surrounding area.
  • Reimbursement for emergency roadside assistance for your covered vehicle for towing due to a breakdown, flat tire replacement with the spare tire, jump starts and lockouts.*
*Not available to residents of New York, Washington or Montana.

You are not covered where...

  • You or another driver on the rental agreement breach any term of the rental agreement.
  • The event for which you are making a claim occurred before the product was purchased.
  • You have not provided documents that have been requested during the claims process.
Insurance coverages are subject to the terms, limitations, and exclusions in the Plan.  This is not a complete list of exclusions. Please see your Plan documents for details.

Claims

To start your claim, please visit rentalcover.com/claim.

Provide a detailed description of the event.

For all claims we require, as a minimum, a detailed description of the event. We will request documents during the claim process such as rental agreements. If required documents are not provided to us the claim may be rejected or the status changed to “Pending”.

Cancellations

You can cancel at any time up until pickup for a refund.

Important Information

For United States Residents: Rental Car Damage (CDP) coverage is included as part of a travel protection plan.  This advertisement contains highlights of a travel protection plan, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plan also contains non‑insurance Travel Assistance Services provided by OnCall International via Cover Genius Insurance Services, LLC, a Delaware limited liability company. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. License and contact information available here.

Collision Damage Protection (CDP) covers all or a portion of the amount payable to the rental company in the event of loss of or damage to a rental car. In our plans, this coverage is an insurance benefit referred to as Rental Car Damage and Theft Coverage or Rental Car Damage coverage.

State Specific Plans

Select your State to see the full Plan Document

Fraud Warning

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Alaska

A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

Applicable in Arizona

For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

Applicable in California

For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

Applicable in Colorado

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

Applicable in Delaware

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

Applicable in Florida

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Applicable in Idaho

Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

Applicable in Indiana

A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

Applicable in Kansas

A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

Applicable in Kentucky

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Applicable in Maine

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

Applicable in Maryland

Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Minnesota

A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

Applicable in New Hampshire

Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

Applicable in New Jersey

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

Applicable in Pennsylvania

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Applicable in New Mexico

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

Applicable in Ohio

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Applicable in Oklahoma

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

Applicable in Oregon

IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

Applicable in Tennessee

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

Applicable in Texas

Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Applicable in Virginia

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Applicable in Washington

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

Applicable in New York

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.  

 

Date Prepared

15 January 2024
 

AH-5125