What does Enterprise rental car insurance cover?

What does Enterprise rental car insurance cover?

When renting a car from Enterprise, it is important to understand what their rental car insurance covers. Enterprise offers several different types of coverage options for renters to choose from, each providing varying levels of protection. The most common coverage options offered by Enterprise include:

1. **Liability Protection**: This coverage protects the renter against claims made by third parties for bodily injury and property damage resulting from an accident involving the rental car.

2. **Collision Damage Waiver (CDW)**: Also known as Loss Damage Waiver (LDW), this coverage relieves the renter of financial responsibility if the rental car is damaged or stolen.

3. **Personal Accident Insurance**: This coverage provides medical and accidental death benefits for the renter and passengers in the rental car.

4. **Personal Effects Coverage**: This coverage protects the renter’s personal belongings in the rental car in case of theft or damage.

5. **Supplemental Liability Protection**: This coverage provides additional liability protection above the state minimums.

6. **Roadside Assistance**: This coverage provides access to services like towing, lockout assistance, and fuel delivery in case of a breakdown.

7. **Extended Protection Plan**: This comprehensive coverage combines several of the above options into a single package for maximum protection.

It is important to note that the coverage options and costs may vary depending on the location and type of rental car. Renters should carefully review the terms and conditions of each coverage option before making a decision.

FAQs about Enterprise rental car insurance

1. Is rental car insurance necessary when renting from Enterprise?

It is not required to purchase rental car insurance from Enterprise, but it is recommended to protect against unforeseen accidents or damages.

2. Can I use my personal car insurance for rental cars from Enterprise?

Some personal car insurance policies may cover rental cars, but it is best to check with your insurance provider to confirm coverage before declining rental car insurance from Enterprise.

3. Are there any exclusions to Enterprise rental car insurance coverage?

Exclusions may vary depending on the type of coverage chosen, so renters should carefully review the terms and conditions of each coverage option to understand any limitations.

4. Do I need to have a credit card to purchase rental car insurance from Enterprise?

While a credit card is typically required to secure a rental car reservation, it is not always necessary to purchase rental car insurance from Enterprise.

5. Does Enterprise rental car insurance cover damages caused by driving under the influence?

Driving under the influence is considered a violation of the rental agreement, and damages resulting from such actions may not be covered by rental car insurance.

6. Can additional drivers be covered under Enterprise rental car insurance?

Additional drivers can typically be added to the rental agreement and covered under the rental car insurance for an additional fee.

7. What types of rental cars are covered by Enterprise rental car insurance?

Enterprise rental car insurance can cover a wide range of vehicles, including economy cars, SUVs, vans, and trucks.

8. Can I purchase rental car insurance from Enterprise after I have already picked up the rental car?

Rental car insurance options can usually be added or adjusted at any time during the rental period, but it is best to confirm with Enterprise’s staff.

9. Does Enterprise rental car insurance cover flat tires or mechanical breakdowns?

Flat tires and mechanical breakdowns are typically not covered by rental car insurance and may require additional roadside assistance coverage.

10. What happens if I decline rental car insurance and get into an accident?

If rental car insurance is declined and an accident occurs, the renter may be held responsible for all damages and liabilities.

11. Are there any age restrictions for purchasing Enterprise rental car insurance?

Age restrictions may apply for certain coverage options, with additional fees or limitations for drivers under 25 years old.

12. Can I cancel or modify my rental car insurance coverage with Enterprise?

Rental car insurance coverage can typically be canceled or modified before the rental period begins, but fees or restrictions may apply. It is best to confirm with Enterprise’s staff for specific details on cancellations or modifications.

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