National Car Rental optional insurance

Optional Loss Damage Waiver (LDW)LDW IS NOT INSURANCE. THE PURCHASE OF LDW IS OPTIONAL AND NOT REQUIRED IN ORDER TO RENT A VEHCILE. 
Renter may purchase optional LDW from Owner for an additional fee. If Renter purchases LDW, Owner agrees, subject to the actions that invalidate LDW listed below, to contractually waive Renter's responsibility for all or part of the cost of damage to, loss or theft of, Vehicle or any part or accessory and related costs regardless of fault or negligence, depending on the LDW plan chosen. Notwithstanding anything to the contrary and unless prohibited by law, LDW DOES NOT PROVIDE PROTECTION FOR LOST KEYS, KEY FOBS, TRANSPONDERS OR OPTIONAL ACCESSORIES. LDW does not apply to damage occurring in Mexico. In most locations, Owner offers the following two (2) levels of LDW protection: *Loss Damage Waiver- Owner will pay for all loss or damage to the Vehicle. *Loss Damage Waiver 3000- Owner will pay the first $3,000 of loss or damage. Renter will pay for all loss or damage over $3,000. When deciding whether or not to purchase LDW, you may wish to check with your insurance representative or credit card company to determine whether, in the event of damage to, or theft of, Vehicle, you have coverage or protection for such damage or theft and the amount of your deductible or out-of-pocket risk. 

THE FOLLOWING SHALL INVALIDATE LDW: A. IF VEHICLE IS DAMAGED WHEN USED OR DRIVEN: 1) BY ANY PERSON OTHER THAN RENTER OR AAD(S) WITHOUT OWNER'S PRIOR WRITTEN CONSENT; (2) BY ANY PERSON IF THERE IS REASONABLE EVIDENCE THE DRIVER WAS IMPAIRED BY THE USE OF ALCOHOL, NARCOTICS, INTOXICANTS, OR DRUGS, USED WITH OR WITHOUT A PRESCRIPTION; (3) BY ANY PERSON COMMITTING A FELONY OR OTHERWISE ENGAGED IN A CRIMINAL ACT; (4) IN A RACE OR SPEED CONTEST; (5) TO TOW OR PUSH ANYTHING; (6) OUTSIDE OF THE UNITED STATES AND CANADA; (7) UNDER AUTHORITY OF ANY LICENSE THAT IS SUSPENDED, REVOKED, INVALID OR DOES NOT BELONG TO THE DRIVER; (8) TO TRANSPORT PERSONS OR PROPERTY FOR HIRE; (9) IN A WANTON OR RECKLESS MANNER OR IF VEHICLE IS DELIBERATELY DAMAGED; (10) ON AN UNPAVED ROAD OR OFF ROAD; (11) TO TRANSPORT EXPLOSIVES, CHEMICALS, CORROSIVES OR OTHER HAZARDOUS MATERIALS OR POLLUTANTS OF ANY KIND; OR B. IF RENTER MISREPRESENTS FACTS TO OWNER PERTAINING TO RENTAL, USE, OR OPERATION OF VEHICLE; OR C. IF VEHICLE'S INTERIOR COMPONENTS ARE STOLEN OR DAMAGED WHEN VEHICLE IS UNLOCKED OR KEYS ARE NOT SECURED; OR D. IF RENTER FAILS OR REFUSES TO PROVIDE OWNER, POLICE, OR OTHER AUTHORITIES WITH A FULL REPORT OF ANY ACCIDENT OR VANDALISM INVOLVING VEHICLE OR OTHERWISE FAILS TO COOPERATE WITH OWNER, POLICE, OR OTHER AUTHORITIES IN THE INVESTIGATION OF ANY ACCIDENT OR VANDALISM; OR E. IF VEHICLE IS STOLEN AND RENTER FAILS TO DO ANY OF THE FOLLOWING: (1) RETURN THE ORIGINAL IGNITION KEY AND OWNER'S KEY TAG IDENTIFYING VEHICLE; (2) FILE A POLICE REPORT WITHIN 24 HOURS AFTER DISCOVERING THE THEFT; (3) COOPERATE FULLY WITH OWNER, POLICE AND OTHER AUTHORITIES IN ALL MATTERS CONNECTED WITH THE INVESTIGATION OF THE THEFT.

For Optional LDW on rentals originating in California, Hawaii, Illinois, Nevada or New York, please refer to the Rental Agreement jacket.

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Loss Damage Waiver 500 - 
National waives up to the first $500 of loss or damage to the rental vehicle. The renter or authorized driver(s) pays for any loss or damage in excess of $500 up to the full value of the vehicle. This option is one for renters who want to minimize their responsibility as well as renters who may carry a $500 deductible on their personal insurance policies.LDW does not cover unauthorized drivers and is void if the Renter or Authorized Driver(s) engage in any of the Prohibited Uses and Violations as described in the Terms and Conditions. See the Terms and Conditions for additional Exclusions.

*Note: National may elect not to repair a vehicle in which case the renter or authorized driver(s) is responsible for the retail value of the vehicle before it was damaged, less any salvage amount that National collects.

My own auto or umbrella policies or credit card coverage may provide rental car damage or loss coverage; however, National cannot interpret or advise me with respect to what they may cover. The election of any optional insurance coverage or optional LDW offered by National might duplicate, void or cause my own policies or credit card coverage to become excess coverage. The purchase of optional insurance coverages or optional LDW is not required to rent a Vehicle.

PERSONAL ACCIDENT INSURANCE (PAI)Personal Accident Insurance / Personal Effects Coverage (PAI/PEC): U.S.

(Where available): If selected and paid for, PAI provides Renter and Renter's passengers with Accidental Death, Accident Medical Expenses and Ambulance Expense benefits. PEC insures the personal effects of Renter, or any member of Renter's immediate family who permanently resides in Renter's household and who is traveling with Renter, against risks of loss or damage while in transit or in a building, (other than your personal residence) or locked in the Vehicle. PAI & PEC are available for an additional charge as stipulated on page 1 of the Rental Agreement. "Renter" is the person who signs the Rental Agreement as Renter.

PAI Benefits	Renter	Passenger
Accidental Death, not to exceed	$175,000 $250,000 (NY and FL only) $100,000 (MN only)	$17,500 $125,000 (NY and FL only) $10,000 (MN only)
Accident Medical Expenses, not to exceed	$2,500  $3,500 (MN only)	$2,500  $3,500 (MN only)
Accident Ambulance Expense, not to exceed	$250 $150 (MN only)	$250 $150 (MN only)

Accident Aggregate, not to exceed $225,000 per accident. (For rentals commencing in NY and FL the aggregate is $500,000 and for rentals commencing in MN the aggregate is $130,000.)

The above PAI benefits for Renter apply to accidents during the Rental Period whether or not Renter is in Vehicle. Passengers are covered only for accidents occurring while they occupy Vehicle. Anyone other than Renter occupying or operating Vehicle shall be considered a "Passenger" for the purposes of PAI benefits

PEC Benefits

$600 per person; $1,800 maximum coverage for all covered individuals during the Rental Period. PEC benefits apply to personal effects belonging to Renter, or any member of renter's immediate family who permanently resides in Renter's household and who is traveling with Renter, against risks of loss or damage while in transit or in a building, (other than your personal residence) or locked in the Vehicle.

View additional Personal Accident Insurance (PAI) information

To file PAI/PEC claims, obtain a claim form from any rental office of Owner, complete it and return it with a copy of the Rental Agreement to: Xchanging, P.O. Box 94950, Cleveland, OH 44101-4950 Phone: 1 888 515-3132 Fax: 1-440-914-2903 

Roadside Plus (RSP) (in CA: Roadside Assistance Protection)

If selected and paid for at the time of rental, Owner offers Roadside Plus, which provides 24/7 roadside assistance without additional charge. RSP includes replacement of lost keys (including remote entry devices), towing (not related to an accident), flat tire service (if no inflated spare is available, vehicle will be towed), lockout service (if keys are locked inside the Vehicle), jumpstarts, and fuel delivery service for up to 3 gallons (or equivalent liters) of fuel. RSP services are only available in the 50 United States and Canada. RSP IS VOID AND OF NO FORCE OR EFFECT IF AT THE TIME OF INCIDENT RENTER (OR ANY AAD) WERE USING THE VEHICLE IN VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT OR ANY OF THE ACTIONS THAT INVALIDATE DAMAGE WAIVER. In such cases, roadside assistance will be available, but standard charges will apply. ROADSIDE PLUS does not apply in Mexico. For roadside assistance call 1-800-803-4444.

For rentals originating in California, Kansas, Nevada and New York, Roadside Plus does not include replacement of lost keys or remote entry devices.




Supplemental Liability Insurance (SLI)

(Where available): If SLI is selected and paid for, Owner provides Renter or any AAD with third party liability protection in an amount equal to the minimum financial responsibility limits applicable to the Vehicle (the Primary Protection). SLI also provides additional third party liability protection, through an excess liability policy, with limits of the difference between the Primary Protection and a combined single limit of $1 million per accident for bodily injury, death and/or property damage to others arising out of the use or operation of the Owner rental Vehicle by Renter or an AAD, subject to the terms and conditions of the policy. SLI includes UM/UIM coverage for bodily injury and property damage in an amount equal to the minimum financial responsibility limits applicable to the Vehicle (the Primary Protection), and additional coverage, through an excess liability policy, with limits for the difference between the statutory minimum underlying limits and $100,000 per accident (for rentals commencing in New York, UM/UIM limits are $100,000 per person/$300,000 per accident; for rentals commencing in Hawaii, the UM/UIM limits are $1,000,000 combined single limit) or state mandated UM/UIM limit, whichever is greater. OWNER AND RENTER REJECT ANY ADDITIONAL UM/UIM COVERAGE TO THE EXTENT PERMITTED BY LAW. SLI, including UM/UIM benefits is provided only when Renter or any AAD are driving the Vehicle. No claim for UM/UIM may be made due to the negligence of the driver of the Vehicle.

SLI COVERAGE IS IN EFFECT ONLY WHILE ANOTHER AAD OR RENTER IS DRIVING THE VEHICLE WITHIN THE UNITED STATES AND CANADA; COVERAGE DOES NOT APPLY IN MEXICO. ADDITIONAL POLICY EXCLUSIONS INCLUDE: (A) BODILY INJURY TO RENTER, ANY AAD, OR TO THE BLOOD RELATIVES OR FAMILY OF RENTER OR ANY AAD, IF SUCH RELATIVES OR FAMILY RESIDE IN THE SAME HOUSEHOLD WITH RENTER OR WITH AN AAD; (B) PROPERTY DAMAGE TO THE RENTAL VEHICLE; (C) FINES, PENALTIES, EXEMPLARY OR PUNITIVE DAMAGES; (D) BODILY INJURY OR PROPERTY DAMAGE EXPECTED OR INTENDED FROM THE STANDPOINT OF THE INSURED; AND (E) ANY OBLIGATION FOR WHICH THE INSURED OR THE INSURED'S INSURER MAY BE HELD LIABLE UNDER ANY WORKER'S COMPENSATION, DISABILITY BENEFITS OR UNEMPLOYMENT COMPENSATION LAW OR ANY SIMILAR LAW.

Note: Any UM/UIM benefits paid are included in the $1 million combined single limit SLI coverage and in no way increase the combined single limit amount referenced above. This insurance coverage is underwritten by Ace American Insurance Company. A benefit summary for SLI is contained within the applicable brochure or, for kiosk renters, by pressing the "Product Details" button (for internet rentals, see Report SLI claims to Owner using the address and phone number set forth herein.)




Fuel Service Option

The Fuel Service Option means prepaying for a full tank of gas at the rental location. The price is based on an estimate of current prices and the average tank size for the car class reserved. This charge may change at time of rental due to current fuel prices. Car should be returned empty as no refund will be given for unused fuel. If you do not want the Fuel Service Option you can choose to return the tank full or pay for gas used and not replaced when you return to the facility.