Types of Coverage That May Apply
Rental car accidents may involve:
• CDW/LDW from rental company (vehicle damage only)
• Personal auto liability (injuries to others)
• Personal auto collision (vehicle damage)
• Credit card coverage (vehicle damage, usually secondary)
• Health insurance (your medical bills)
• UM/UIM coverage (if at-fault driver is uninsured)
• CDW/LDW from rental company (vehicle damage only)
• Personal auto liability (injuries to others)
• Personal auto collision (vehicle damage)
• Credit card coverage (vehicle damage, usually secondary)
• Health insurance (your medical bills)
• UM/UIM coverage (if at-fault driver is uninsured)
Primary vs. Secondary Coverage
Understanding the difference matters:
• Primary coverage pays first
• Secondary coverage kicks in after primary is exhausted
• Credit card coverage is usually secondary
• CDW/LDW is typically primary for vehicle damage
• Personal auto may be primary or secondary depending on policy
Proper sequencing of claims maximizes your recovery.
• Primary coverage pays first
• Secondary coverage kicks in after primary is exhausted
• Credit card coverage is usually secondary
• CDW/LDW is typically primary for vehicle damage
• Personal auto may be primary or secondary depending on policy
Proper sequencing of claims maximizes your recovery.
Common Coverage Gaps
Watch out for these gaps:
• Loss of use charges (not all policies cover)
• Administrative fees from rental company
• Diminished value of the vehicle
• Coverage limits below actual damages
• Exclusions for certain activities or locations
• Loss of use charges (not all policies cover)
• Administrative fees from rental company
• Diminished value of the vehicle
• Coverage limits below actual damages
• Exclusions for certain activities or locations