Insurance Responsibility for Damages and the Rental Vehicle:
The renter, additional renters, or authorized additional drivers are fully liable for any loss or damage to the rental vehicle, even if someone else caused it or the cause is unknown, whether due to theft, fire, hail, flood, collision, vandalism, or any other cause, subject to any limitations imposed by the law where the vehicle is rented. This liability will not exceed the full value of the vehicle, plus; actual towing and storage charges; loss of use; diminution in value (regardless of whether the vehicle is repaired), a reasonable administrative fee, pro-rata license fees, all rental charges through the date you report the incident if not returnable or the contract return date, whichever is later, and any other out-of-pocket expenses incurred by NextCar as a result of the loss or damage to the vehicle.
All renters must have verifiable collision and comprehensive coverage for the rented vehicle. The most common method to provide verifiable collision and comprehensive coverage is through the car rental damage benefits provided by a credit card issuer. Another common method of providing collision and comprehensive coverage is through the renter’s or drivers personal or business auto insurance policy. Coverage provided by 3rd party carriers may be acceptable if the policy has been prepaid for a minimum of 30 days from the date of the rental and will provide collision and comprehensive insurance benefits to cover the rented vehicle and does not have a deductible greater than 500. Renters may choose to purchase the optional NextCar Collision Damage Waiver, if available at the location where you intend to rent the vehicle.
The renter and or any additional renter and or authorized additional driver (and the respective insurance companies of each) is primarily responsible for all third-party claims of personal injury, including death, and property damage caused or arising from the use and operation of the NextCar vehicle during the rental. If NextCar is required to provide primary coverage, it shall only be in an amount necessary to satisfy the minimum financial responsibility limits required by law. Where permitted, NextCar does not provide uninsured and underinsured motorist coverage. In those states where NextCar must provide such coverage, NextCar will only provide such coverage up to the minimum limits required by law.
Your Insurance, Collision Damage Waiver, Road Hazard Towing and Deductible Waiver and Other Optional Coverages:
At the beginning of the rental many NextCar locations offer for an additional daily charge, Collision Damage Waiver ('CDW'), Road Hazard, Towing and Deductible Waiver and or Supplemental Liability Insurance ('SLI') and or Personal Accident Coverage with Personal Effects Coverage ('PAE'). Separate brochures are available at the rental location summarizing the optional products. The cost, coverage, provider, and availability vary by location, vehicle category, and rate. The optional products offered by NextCar may or may not duplicate coverage provided by the renter's personal automobile insurance or insurance the renter may have through another source. Purchase of optional products is not required to rent the vehicle, however, all renters must have verifiable collision and comprehensive coverage for the rented vehicle.
Collision Damage Waiver ('CDW')
If the renter purchases the optional Collision Damage Waiver plan, NextCar will agree to waive the renter's responsibility for loss or damage to the vehicle. Collision Damage Waiver is not insurance or an insurance product. CDW does not apply if: (1) the renter uses the vehicle in violation of the rental agreement; or (2) the vehicle is stolen or vandalized; or (3) the renter fails to notify NextCar and the police immediately after the loss; or (4) the renter fails to pay the charges under the rental agreement.
Before deciding whether to purchase CDW, the renter may wish to determine whether their own automobile insurance or credit card agreement provides coverage for rental vehicle damage or loss and determine the amount of the deductible under that insurance coverage. The purchase of CDW is not mandatory, however, all renters must have verifiable collision and comprehensive coverage for the vehicle being rented. CDW is not insurance.