Rental Car Insurance and Protection Products

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Alamo offers a variety of protection products to its customers. Below are the protection products available for purchase:

Collision Damage Waiver (CDW) - Collision Damage Waiver (CDW) is not insurance.  The purchase of CDW is optional and not required in order to rent a vehicle.

You may purchase optional CDW for an additional fee.  If you purchase CDW we agree, subject to the actions that invalidate CDW listed on the rental agreement, to contractually waive your responsibility for all or part of the cost of damage to, loss or theft of, the vehicle. DW does not apply to damage occurring in Mexico.

When deciding whether or not to purchase CDW, 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.

*For rentals originating in California- CDW ranges between 10.99 USD and 500.00 USD per day depending on the type of vehicle rented.

Extended Protection (EP) - The purchase of Extended Protection (EP) is optional and not required in order to rent a vehicle.

This is a summary only and is subject to all provisions, limitations, exceptions and exclusions of the EP policy. Upon request, a copy of the policy is available for review. EP may provide a duplication of coverage already furnished under a personal insurance policy or some other source. Owner’s employees, agents or endorsees are not qualified to evaluate the adequacy of renter’s existing coverage.

Optional EP provides you with minimum financial responsibility limits (at no charge to you) as outlined in the applicable motor vehicle financial responsibility laws of the state where the vehicle is operated AND excess insurance provided by the insurance policy. This supplies you and any authorized drivers with third-party liability protection with a combined single limit per accident equal to the difference between the minimum financial responsibility limits referenced above and $1,000,000 Combined Single Limit per accident. EP will respond to third party accident claims that result from bodily injury, including death, and property damage that arise from the use or operation of the vehicle as permitted in the Rental Agreement. The policy does not provide coverage for any loss arising from the use or operation of Vehicle in Mexico.

Personal Accident (PAI) and Personal Effects Insurance (PEC): United States - Personal Accident Insurance/Personal Effects Coverage (PAI/PEC) is offered at the time of rental for an additional daily charge. If accepted, the PAI contained in the policy provides renter and renter's passengers with accidental death, accident medical expenses and ambulance expense benefits. The PEC contained in the policy insures the personal effects of the renter, additional drivers or any member of the renter's immediate family who permanently resides in the renter's household and who is traveling with the renter against risks of loss or damage. Benefits are payable in addition to any other insurance coverage the renter or passengers may have. This is a summary only. PAI/PEC is subject to the provisions, limitations and exclusions of the PAI/PEC policy underwritten by Empire Fire and Marine Insurance Company in the United States or ACE INC Insurance in Canada. The purchase of PAI/PEC is optional and not required to rent a car. The coverage provided by PAI/PEC may duplicate the renter's existing coverage. Alamo is not qualified to evaluate the adequacy of the renter's existing coverage; therefore, the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by PAI/PEC. 

Roadside Plus - Renter may purchase Roadside Plus (RSP) from Owner for an additional fee. If Renter purchases RSP, Owner agrees, subject to the actions that invalidate Collision Damage Waiver, to contractually waive Renter’s responsibility for the cost to provide 24/7 roadside assistance (where available) which includes replacement of lost keys (including remote entry devices), flat tire service (if no inflated spare is available, the vehicle will be towed. Cost of a replacement tire is not covered by RSP), lockout service (if the keys are locked inside the vehicle), jumpstarts, and fuel delivery service for up to 3 gallons (or equivalent liters) of fuel if Vehicle is out of fuel. Roadside Plus services are only available in the United States and Canada. If Renter does not purchase RSP, or RSP is invalidated as set forth above, roadside assistance will be available, but standard charges will apply. RSP does not apply in Mexico. For roadside assistance call 1-800-803-4444.

Additional Protection and Insurance Products offered:

Deductible Protection

International Third Party Insurance (TPI)

Master Cover

Personal Accident (PAI) and Personal Effects Insurance (PEC): Canada

Personal Accident Insurance (PAI) International

 

When Do I Need Rental Car Insurance?

Whether you’re a frequent traveler or a once-a-year rental car customer, you’ve probably asked yourself, “Do I need rental car insurance or other protection products offered by the car rental company?”

While we can’t advise you of whether you need coverage or how your current coverage may or may not apply to a rental car, we can walk you through how to find out what coverages you may have and provide some information about the optional coverages available when you rent a vehicle. 

To help you make your decision, review the coverage you already have to assess whether your current insurance covers a rental car.
 

Are You Covered Under an Existing Car Insurance Policy?

If so, does this car insurance cover damage to or your use or operation of a rental car? Contact your agent and determine what types of coverage your policy(s)offers you when renting a car. Make sure to ask specifically about liability, comprehensive and collision coverage.

Although your existing car insurance may cover your rental car, every policy is different. It’s best to call and find out all the details of your coverage —like the amount of your deductible and any other pertinent information—before picking up your rental.
 

Do You Have a Credit Card?

Check to see what your credit card covers when renting a car. Specifically, you’ll want to determine if your credit card provides primary or secondary auto rental coverage, what types of vehicles it will cover and any other restrictions or requirements.

 

*All protection products are subject to the terms and conditions of the rental agreement.

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