Warranty Contract

Loaner Protection Contract Receipt

Purchase Date:	01/01/2024
Rental Operator:	Gather Revenue, Inc.
Rental Agreement No.:	1234
Rental Vehicle:	UB66210
Renter Name:	Jane Doe
Effective Date:	01/01/2024
RCLI Option:	Accepted
SLI Option:	Accepted
PAI/PEI Option:	Accepted
LDW Option:	Accepted
Price Total	$19.95 per day

Acceptance of Terms & Payment Information

I agree to comply with the terms & conditions for this purchase as follows:

This insurance is non-transferable and only provides coverage for the Authorized Driver. Authorized Drivers are those drivers identified on the front of the original rental agreement as Renter and any Additional Drivers.
I have been made aware that the coverage purchased herein may be duplicative of insurance such as personal auto insurance, commercial other insurance or other insurance possibilities.
I agree to pay the total amount according to the card issuer agreement.

IMPORTANT NOTE

This is your EVIDENCE OF INSURANCE. If at any time you need to add or remove days from your trip, please contact your rental operator.

This coverage is brought to you as part of the Car Rental Association, Inc. By accepting this coverage, you are agreeing to become an enrolled member of the association.

AUTOMOBILE RENTAL
RENTER CONTINGENT LIABILITY INSURANCE
COVERAGE PROVIDED BY:
AUTO RENTAL INSURANCE GROUP PCS (ARIG)

IN RETURN FOR PAYMENT OF THE PREMIUM AND SUBJECT TO ALL TERMS OF THE POLICY, ARIG AGREES TO PROVIDE THE SUPPLEMENTAL EXCESS INSURANCE STATED IN THE POLICY. PURCHASE OF COVERAGE MUST OCCUR PRIOR TO THE INCEPTION OF THE RENTAL AGREEMENT.

Coverage:	Rental Contingent Liability Insurance
Limits:	Maximum Total Aggregate Limit Per Accident
Private Passenger Bodily Injury:	Up to State Minimum Financial Responsibility Limit.
Property Damage:	Up to State Minimum Financial Responsibility Limit.

Bodily Injury Maximum Limit: Private Passenger Vehicles: Maximum Bodily Injury Limit: Up to State Minimum Financial Responsibility Limit. Including vehicles such as: Sedans, SUVs, and Vans (when approved by Insurance Carrier);

Subject to the terms, limitations, and exclusions of the policy.

The primary policy required to be maintained by the “Policy Holder” or Rental Company providing at least the State Speciﬁc Minimum Financial Responsibility Limits, and
The cost of defense, including attorney's fees and case expenses are included in the Maximum Total Aggregate Limit.
Liability for injuries or property damage to guest passengers or their belongings is excluded from this Rental Contingent Liability Insurance; this is considered ﬁrst-party exposure and is not covered under the Policy.
If an individual rental contract, that has selected the coverage provided by the Policy, extends beyond the policy period of this coverage, the coverage provided by the Policy terminates at the end of the original rental term as indicated on the rental contract or 28 days after the start or pick-up date, whichever occurs ﬁrst. In the event of termination of the Policy, the coverage provided by the Policy will not apply to any extensions of the rental agreement beyond the original end of the rental term as indicated in the original rental contract.
The Policy will only provide coverage on Rental Agreements of the “policyholder” and their customers that have selected this coverage. The Rental Agreement must be executed, including selection of this coverage, and signed, by all parties within the policy period. Stated above. UNDERLYING INSURANCE COMPANY: Must be provided to Auto Rental Insurance Group PCS at the inception and each renewal of underlying insurance and as described in “Underlying Insurance” paragraph below.

UNDERLYING INSURANCE: The ﬁrst layer of insurance will be the primary insurance policy on the vehicle, which will provide at least the State Speciﬁc Minimum Financial Responsibility Limit and may have higher limits. All other applicable insurance policies, including, but not limited to, primary, excess, or supplemental insurance, must provide coverage before this Rental Supplemental Excess Liability Policy provides coverage.

Exclusions Include but Not Limited To:

This insurance does not apply to any of the following:

“Bodily injury” or “property damage” arising out of the use, or permitting the use, of a “rental vehicle”:
1. By any driver other than the “renter” or an “authorized driver”;
2. By any driver while under the inﬂuence of drugs or alcohol whether prescribed or not;
3. For any illegal purpose;
4. To carry persons or property for hire;
5. To tow or propel any other “auto”;
6. In any race, contest, or training activity.
7. Oﬀ-road or on unpaved roads that are not regularly maintained;
8. In violation of the “rental agreement.”
9. In violation of any local, state and/or federal laws or statutes.
Any loss, cost, or expense payable under or resulting from any ﬁrst party physical damage coverage; no-fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law; or any similar law, in any jurisdiction.
“Bodily injury” to the “insured” or to any “family member” or passenger, or to any “authorized driver” while driving or riding in or on the “rental vehicle.” Where mandated by law, liability coverage for injury to or damage to property of unrelated passengers is limited to a maximum combined limit of $10,000.
“Property damage” to the “rental vehicle.”
“Bodily injury” or “property damage” expected or intended from the standpoint of the “insured.”
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.
“Bodily injury” to:

a. An employee of the “insured” or “policyholder” or Auto Rental Company arising out of and in the course of employment by the “insured”, or “policyholder” or Auto Rental Company or

b. The spouse, child, parent, brother, or sister of that employee as a consequence of paragraph a. above.

The exclusion applies:

a. Whether the “insured” or “policyholder” or Auto Rental Company may be liable as an employer or in any other capacity; and

b. To any obligation to share damages with or repay someone else who must pay damages because of the injury.

But this exclusion does not apply to “bodily injury” to domestic employees not entitled to workers’ compensation beneﬁts.
“Bodily injury” to any fellow employee of the “insured” or “policyholder” or Auto Rental Company arising out of and in the course of the fellow employee’s employment.
“Property damage” to property owned or transported by the “insured” or “policyholder” or Auto Rental Company or in the “insured’s” or “policyholder’s” or Auto Rental Company’s care, custody, or control.
"Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants":
1. That are, or that are contained in any property that is:
  1. Being transported or towed by, handled, or handled for movement into, onto or from, the covered "auto";
  2. Otherwise in the course of transit by or on behalf of the "insured"; or
  3. Being stored, disposed of, treated, or processed in or upon the covered "auto";
2. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or
3. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are ﬁnally delivered, disposed of, or abandoned by the "insured".
  
  Paragraph a. above does not apply to fuels, lubricants, ﬂuids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic, or mechanical functioning of the covered "auto" or its parts, if:
  
  1. The "pollutants" escape, seep, migrate, or are discharged, dispersed, or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and
  
  2. The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the deﬁnition of mobile equipment".
  
  Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if:
  
  1. The "pollutants" or any property in which the "pollutants" are contained are upset, overturned, or damaged as a result of the maintenance or use of a covered "auto"; and
  
  2. The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn, or damage.
Any loss, cost or expense arising out of any governmental direction or request that the “insured” test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize “pollutants”.
“Bodily injury” or “property damage” excluded by the Nuclear Energy Liability Exclusion endorsement made a part of the Policy.
Any obligation for which the “Named Insured” or the “Named Insured’s” insurer may be held liable under any workers compensation, disability beneﬁts or unemployment compensation law or any similar law whether or not such a policy exists.
“Bodily Injury” or “Property Damage” due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion, or revolution.
Liability arising out of the following prohibited uses of the “rental vehicle”:
1. To carry people or property for hire;
2. In the commission of a crime;
3. In a speed contest;
4. To tow or push anything; or
5. To drive into Mexico.
Liability for damage to the “rental vehicle”.
“Loss” or “damage” intentionally caused by the “Named Insured”.
Liability arising out of the use of a “rental vehicle” which was obtained through a “rental agreement” based on fraudulent information.
Punitive or exemplary damages.
Liability arising out of or involving:
1. The insured, renter, or authorized driver ingesting, consuming or otherwise taking intoxicants or narcotics (including but not limited to those related to DWI and/or DUI), whether administered on the advice of a physician or not;
2. Intentionally self-inﬂicted injury, while sane or insane;
3. Committing or attempting to commit an assault or a felony;
4. Aircraft travel, except as passenger in a licensed aircraft regularly schedule ﬂight;
5. Violation of the rental agreement;
6. Conversion of the motor vehicle; and/or
7. Any illegal acts occurring during the use of the rental vehicle.
Any loss of wages or income is excluded under the Policy, whether covered elsewhere or not.
The loss of use, of any vehicle or other property, involved in a covered accident is excluded under the Policy, whether covered elsewhere or not.
Any loss occurring at a time when the policy is not in eﬀect as a result of the cancellation provisions in the Policy.
Any and all damages related to pain and suﬀering, including but not limited to physical and mental anguish, physical pain, emotional and psychological trauma are excluded under the Policy.

Additional Information

Coverage Territory: The coverage territory is limited to the United States of America, Puerto Rico, and Canada. Coverage territory does not include Mexico. The Policy does not provide coverage for covered rental vehicles while in Mexico under any circumstances.

Notice and Service of Papers: Any notice to be given to Auto Rental Insurance Group PCS or legal papers to be served to Auto Rental Insurance Group PCS, Inc., must be served on Mintzer Sarowitz Zeris Ledva & Meyers, LLP, 2070 Springdale Road Suite 400 Cherry Hill, NJ 08003.

Laws, Policies and Judgements: A maximum aggregate liability limit of $1,000 per incident is included in the Policy in the event that there is, or is instituted, a local, county, state or federal law, policy or judgement that interprets, implies or attempts to make the Policy provide any coverage other than the intended, which is supplemental (last payor) insurance, to an authorized driver of a rented/shared vehicle from an authorized rental/sharing operation.

State Law: Remember state laws may prohibit or modify the optional products oﬀered. Any oﬀer or description on beneﬁts is void where prohibited by law.

Additional Information: A copy of the insurance policy, as issued by the insurance company, can be made available for review. Coverage is underwritten with Auto Rental Insurance Group PCS. A written request must be made directly to the carrier and this request can be made through the administrative oﬃces of: ARIG – P.O. Box 15236 – Surfside Beach, SC 29587

Notice of Claim: ALL CLAIMS MUST BE FILED WITHIN 30 DAYS OF KNOWLEDGE OF THE LOSS OR DAMAGE. Please call the oﬃce of Car Rental Association, Inc. directly to report a claim: 843-385-4041

Your risk is not protected by the state insurance insolvency fund, and the captive insurer, the risk retention group or risk purchasing group that provides the insurance may not be subject to all of the insurance laws and rules of this state.

AUTOMOBILE RENTAL
SUPPLEMENTAL LIABILITY INSURANCE
COVERAGE PROVIDED BY:
AUTO RENTAL INSURANCE GROUP PCS (ARIG)

Coverage:	Supplemental Liability Insurance $ 500,000
Limits:	Maximum Total Aggregate Limit Per Accident
Private Passenger Bodily Injury:	Up to $500,000 with a $100,000 maximum BI limit per person (as described below)
Property Damage:	$10,000

Bodily Injury Maximum Limit: Private Passenger Vehicles: Maximum Bodily Injury Limit: $500,000 (as described below) Including vehicles such as: Sedans, SUVs, and Vans - when approved by Insurance Carrier; Internal Limits Apply: $100,000 per person Bodily Injury limit per Accident (Included in Aggregate limit and reduced by any other valid and collectible insurance).

Coverage:	Supplemental Liability Insurance $ 100,000
Limits:	Maximum Total Aggregate Limit Per Accident
Private Passenger Bodily Injury:	Up to $100,000 with a $50,000 maximum BI limit per person (as described below)
Property Damage:	$10,000

Bodily Injury Maximum Limit: Private Passenger Vehicles: Maximum Bodily Injury Limit: $ 100,000 (as described below) Including vehicles such as: Sedans, SUVs, and Vans - when approved by Insurance Carrier; Internal Limits Apply: $ 20,000 per person Bodily Injury limit per Accident (Included in Aggregate limit and reduced by any other valid and collectible insurance).

Either policy listed in the Supplement Liability section is subject to the terms, limitations, and exclusions of the policy, the applicable policy limit is the diﬀerence between the Maximum Total Aggregate Limit and the total of all other valid and collectible insurance policies including but not limited to:

The primary policy (required to be maintained by the “Policy Holder” or Rental Company) providing at least the State Speciﬁc Minimum Financial Responsibility Limits, and
All other valid and collectible insurance policies, including but not limited, to:
- any personal automobile coverage that may be in existence, or
- any excess or supplemental insurance that may exist outside of the Policy
However, this Rental Supplemental Excess Liability Policy will only provide coverage after all other valid and collectible insurance policies have been exhausted by payment.
The cost of defense, including attorney's fees and case expenses are included in the Maximum Total Aggregate Limit.
When the Property Damage limit applies (as described above), it is excess of the state minimum ﬁnancial responsibility limit and is included in and reduces the Maximum Total Aggregate limit.
Liability for injuries or property damage to guest passengers or their belongings is excluded from this Rental Supplemental Excess Liability Policy; this is considered ﬁrst-party exposure and is not covered under the Policy.
If an individual rental contract, that has selected the coverage provided by the Policy, extends beyond the policy period of this coverage, the coverage provided by the Policy terminates at the end of the original rental term as indicated on the rental contract or 28 days after the start or pick-up date, whichever occurs ﬁrst. In the event of termination of the Policy, the coverage provided by the Policy will not apply to any extensions of the rental agreement beyond the original end of the rental term as indicated in the original rental contract.
The Policy will only provide coverage on Rental Agreements of the “policyholder” and their customers that have selected this coverage. The Rental Agreement must be executed, including selection of this coverage, and signed, by all parties within the policy period. Stated above. UNDERLYING INSURANCE COMPANY: Must be provided to Auto Rental Insurance Group PCS at the inception and each renewal of underlying insurance and as described in “Underlying Insurance” paragraph below.

Limit of Insurance: Regardless of the number of “insureds,” “rental vehicles,” premiums paid, claims made, or vehicles involved in the “accident,” for each “rental agreement” the most we will pay for the “ultimate net loss,” resulting from any one “accident,” is the diﬀerence between the dollar amount shown in ITEM 4A. of the Policy Declarations and the total limits of all applicable “underlying insurance policies” and/or applicable self-insurance.

ULTIMATE NET LOSS: “Ultimate net loss” means all sums for which an “insured” becomes legally obligated to pay, as damages for “bodily injury” and “property damage” combined. “Ultimate net loss” will be reduced by deduction for all salvage or recoveries which have been or will be paid. The “Ultimate net loss” is limited by the policy limits, which for the supplemental excess liability insurance is the diﬀerence between $500,000, with a $100,000 maximum limit per person, and the total of all other applicable insurance policies, including the primary policy that will provide at least the State Speciﬁc Minimum Financial Responsibility Limits and all other applicable insurance policies, including, but not limited to primary, excess or supplemental insurance, however, the Rental Supplemental Excess Liability Policy will only provide coverage after all other valid and applicable insurance policies have been exhausted by payment. The cost of defense, including attorney’s fees and case expenses, also reduces the amount of coverage.

Exclusions Include but Not Limited To:
This insurance does not apply to any of the following:

“Bodily injury” or “property damage” arising out of the use, or permitting the use, of a “rental vehicle”:

By any driver other than the “renter” or an “authorized driver”;
By any driver while under the inﬂuence of drugs or alcohol;
For any illegal purpose;
To carry persons or property for hire;
To tow or propel any other“ auto”;
In any race, contest, or training activity.
Oﬀ-road or on unpaved roads that are not regularly maintained;
In violation of the “rental agreement.”
In violation of any local, state and/or federal laws or statutes.

Any loss, cost, or expense payable under or resulting from any ﬁrst party physical damage coverage; no-fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law; or any similar law, in any jurisdiction.

“Bodily injury” to the “insured” or to any “family member” or passenger, or to any “authorized driver” while driving or riding in or on the “rental vehicle.” Where mandated by law, liability coverage for injury to or damage to property of unrelated passengers is limited to a maximum combined limit of $10,000.

“Property damage” to the “rental vehicle.”
“Bodily injury” or “property damage” expected or intended from the standpoint of the “insured.”
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.
“Bodily injury” to:

An employee of the “insured” or “policyholder” or Auto Rental Company arising out of and in the course of employment by the “insured”, or “policyholder” or Auto Rental Company or
The spouse, child, parent, brother, or sister of that employee as a consequence of paragraph a. above. The exclusion applies:
Whether the “insured” or “policyholder” or Auto Rental Company may be liable as an employer or in any other capacity; and
To any obligation to share damages with or repay someone else who must pay damages because of the injury.

But this exclusion does not apply to “bodily injury” to domestic employees not entitled to workers’ compensation beneﬁts.

“Bodily injury” to any fellow employee of the “insured” or “policyholder” or Auto Rental Company arising out of and in the course of the fellow employee’s employment.

“Property damage” to property owned or transported by the “insured” or “policyholder” or Auto Rental Company or in the “insured’s” or “policyholder’s” or Auto Rental Company’s care, custody, or control.

"Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants":

That are, or that are contained in any property that is:
1. Being transported or towed by, handled, or handled for movement into, onto or from, the covered "auto";
2. Otherwise in the course of transit by or on behalf of the "insured"; or
3. Being stored, disposed of, treated, or processed in or upon the covered "auto";
Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or
After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are ﬁnally delivered, disposed of, or abandoned by the "insured".

Paragraph a. above does not apply to fuels, lubricants, ﬂuids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic, or mechanical functioning of the covered "auto" or its parts, if:

The "pollutants" escape, seep, migrate, or are discharged, dispersed, or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and
The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the deﬁnition of mobile equipment" found in the policy wording.

Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if:

The "pollutants" or any property in which the "pollutants" are contained are upset, overturned, or damaged as a result of the maintenance or use of a covered "auto"; and
The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn, or damage.

Any loss, cost or expense arising out of any governmental direction or request that the “insured” test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize “pollutants”.

“Bodily injury” or “property damage” excluded by the Nuclear Energy Liability Exclusion endorsement made a part of the Policy.

Any obligation for which the “Named Insured” or the “Named Insured’s” insurer may be held liable under any workers compensation, disability beneﬁts or unemployment compensation law or any similar law whether or not such a policy exists.

“Bodily Injury” or “Property Damage” due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion, or revolution.

Liability arising out of the following prohibited uses of the “rental vehicle”:

To carry people or property for hire;
In the commission of a crime;
In a speed contest;
To tow or push anything; or
To drive into Mexico.

Liability for damage to the “rental vehicle”.

“Loss” or “damage” intentionally caused by the “Named Insured”.

Liability arising out of the use of a “rental vehicle” which was obtained through a “rental agreement” based on fraudulent information.

Punitive or exemplary damages.

Liability arising out of or involving:

The insured, renter, or authorized driver ingesting, consuming or otherwise taking intoxicants or narcotics (including but not limited to those related to DWI and/or DUI), whether administered on the advice of a physician or not;
Intentionally self-inﬂicted injury, while sane or insane;
Committing or attempting to commit an assault or a felony;
Aircraft travel, except as passenger in a licensed aircraft regularly schedule ﬂight;
Violation of the rental agreement;
Conversion of the motor vehicle; and/or
Any illegal acts occurring during the use of the rental vehicle.

Any loss of wages or income is excluded under the Policy, whether covered elsewhere or not.

The loss of use, of any vehicle or other property, involved in a covered accident is excluded under the Policy, whether covered elsewhere or not.

Any loss occurring at a time when the policy is not in eﬀect as a result of the cancellation provisions in the Policy.

Any and all damages related to pain and suﬀering, including but not limited to physical and mental anguish, physical pain, emotional and psychological trauma are excluded under the Policy.

Additional Information

Coverage Territory: The coverage must be purchased in the United and states and is limited to: United States of America, Puerto Rico, and Canada. Coverage territory does not include Mexico. The Policy does not provide coverage for covered rental vehicles while in Mexico under any circumstances.

State Law: Remember state laws may prohibit or modify the optional products oﬀered. Any oﬀer or description on beneﬁts is void where prohibited by law.

Notice of Claim: ALL CLAIMS MUST BE FILED WITHIN 30 DAYS OF KNOWLEDGE OF THE LOSS OR DAMAGE. Please call the oﬃce

of Car Rental Association, Inc. directly to report a claim: 1-843-385-4041.

Your risk is not protected by the state insurance insolvency fund, and the insurer, the risk retention group or risk purchasing group that provides the insurance may not be subject to all of the insurance laws and rules of this state.

AUTOMOBILE RENTAL
PERSONAL ACCIDENT & PERSONAL EFFECTS INSURANCE SALES AGREEMENT
COVERAGE PROVIDED BY:
AUTO RENTAL INSURANCE GROUP PCS (ARIG)

IN RETURN FOR PAYMENT OF THE PREMIUM AND SUBJECT TO ALL TERMS OF THE POLICY, ARIG AGREES TO PROVIDE THE PERSONAL ACCIDENT AND PERSONAL EFFECTS INSURANCE STATED IN THE POLICY. PURCHASE OF COVERAGE MUST OCCUR PRIOR TO THE INCEPTION OF THE RENTAL AGREEMENT.

Coverage:	Personal Accident Insurance
Limits:	$50,000 Renter/$5,000 Passenger/$55,000 Aggregate (Subject to the terms, limitations, and exclusion of the policy)
Emergency Medical Expense Limit:	$1,000 Per Rental Agreement (Included in Aggregate)
Deductible:	$NIL

Coverage:	Personal Eﬀects Insurance
Limits:	$525 Person/$525 Per Occurrence (Subject to the terms, limitations, and exclusion of the policy)
Deductible:	$25 Per Person

Personal Accident Insurance Plan

If a Renter sustains "injury" during the period of coverage; which shall, independently of all other causes, result in death; Auto Rental Insurance Group PCS will pay the amount stated on the declarations page. In no event, however, shall the aggregate amount of insurance under this policy on the life of any one Renter exceed the amount stated on the declarations page.

If a Passenger shall sustain injury as deﬁned herein during the period of coverage; which shall independently of all other causes, result in death; Auto Rental Insurance Group PCS will pay the amount stated on the declaration page. In no event, however, shall the aggregate amount of insurance under this policy on the life of any one Passenger exceed the amount stated on the declarations page.

Renter's Accident Medical Expense Beneﬁts
If a Renter shall sustain "Bodily Injuries" as deﬁned herein, and which do not result in death, and within thirty (30) days following the date of the accident (in jurisdictions where 30 days is the allowed time period) upon the recommendation of a physician require (a) conﬁnement to a hospital; (b) treatment by a physician; (c) transportation to or from a hospital by a professional ambulance service; and/or (d) services rendered by a registered nurse, Auto Rental Insurance Group PCS will pay the reasonable and customary charges actually made for such conﬁnement, treatment, services and supplies provided that the total amount of insurance hereunder shall not exceed the amount stated on the declarations page.

Passenger's Accident Medical Expense Beneﬁts
If a Passenger of the Renter is injured, while riding within the enclosed part of the rental vehicle, sustains injuries as deﬁned herein, which do not result in death, but within thirty (30) days following the date of the accident, upon the recommendation of a physician require ( a) conﬁnement to a hospital; (b) treatment by a physician; (c) transportation to or from a hospital by a professional ambulance service; and/or (d) services rendered by a registered nurse, Auto Rental Insurance Group PCS will pay the reasonable and customary charges actually made for such conﬁnement, treatment, services and supplies provided that the total amount of insurance hereunder shall not exceed the amount stated on the declarations page.

Aggregate Indemnity
The total Aggregate Indemnity for all beneﬁts payable under the Policy for all insured losses sustained in anyone accident by anyone Renter and the Passenger combined shall not exceed the amount stated on the declarations page.

Exclusions Include but Not Limited To:
The exclusions stated in the Supplemental Excess Liability Coverage Part apply. In addition, we will not pay for any loss caused by or resulting from any of the following:

Caused by:
1. Wear and Tear;
2. Gradual deterioration;
3. Moths, vermin, inherent vice; or
4. Damage sustained during repair or restoration.
Caused by or resulting from:
1. Hostile or Warlike action in time of peace or war, including action hindering, combating, or defending against an actual, impending, or expected attack by:
2. Any government or foreign power (de jure or de facto);
3. Any authority maintaining or using military, naval or air forces;
4. Military, naval or air forces; or
5. Any agent or any such government power, authority or forces;
6. Any war weapon employing atomic ﬁssion or radioactive force whether in time of peace or war;
7. Insurrection, rebellion, revolution civil war or action taken by government authority in hindering, combating, or defending against such an occurrence;
8. Seizure or destruction under quarantine or custom regulation;
9. Conﬁscation by order of any government or public authority; or
10. Risks of contraband or illegal transportation or trade.
By nuclear reaction or nuclear radiation or radioactive contamination, all whether:
1. Controlled or uncontrolled; or
2. Such loss be direct or indirect; proximate or remote, or be in whole or part caused by, contributed to, or aggravated by the peril(s) insured against by this coverage part.
Or to property while in the care, custody, or control of a common carrier;
Due to unexplained or mysterious disappearance;
Due to theft unless reported to police or civil authorities.
“We” will not pay for any loss caused by or resulting from any of the following:
1. Intoxicants or narcotics (including but not limited to DWI and/or DUI) administered on the advice of a Physician or not with the advice/consent of a Physician.
2. Intentionally self-inﬂicted injury, while sane or insane;
3. Committing or attempting to commit an assault or a felony;
4. Aircraft travel, except as Passenger in a licensed aircraft regularly schedule ﬂight;
5. Violation of the Rental Agreement; and/or
6. Conversion of the motor vehicle.

This coverage part does not apply if the Renter is in violation of the Rental Agreement.

Personal Eﬀects Insurance Plan

Perils Insured Against
We will pay for all loss or damage to the Personal Eﬀects of the Insured while the Insured is using the Rental Vehicle during any journey during the Policy Period while;

In transit; or
In any hotel or other building enroute.

We will not pay for loss or damage excluded under this coverage part.

Exclusions Include but Not Limited To:

The Exclusions stated in the SLI Coverage Part apply. In addition, we will not pay for loss or damage to Personal Eﬀects:

Caused by or resulting from:
1. Wear and Tear;
2. Gradual deterioration;
3. Moths, vermin, inherent vice; or
4. Damage sustained during repair or restoration.
Caused by or resulting from:
1. Hostile or Warlike action in time of peace or war, including action hindering, combating, or defending against an actual, impending, or expected attack by:
2. Any government or foreign power (de jure or de facto)
3. Any authority maintaining or using military, naval or air forces;
4. Military, naval or air forces; or
5. Any agent or any such government power, authority, or forces
6. Any war weapon employing atomic ﬁssion or radioactive force whether in time of peace or war;
7. Insurrection, rebellion, revolution civil war or action taken by government authority in hindering, combating, or defending against such an occurrence;
8. Seizure or destruction under quarantine or custom regulation;
9. Conﬁscation by order of any government or public authority; or
10. Risks of contraband or illegal transportation or trade.
By nuclear reaction or nuclear radiation or radioactive contamination, all whether:
1. Controlled or uncontrolled; or
2. Such loss be direct or indirect; proximate or remote, or be in whole or part
3. Caused by, contributed to, or aggravated by the perils(s) insured against by this coverage part.
To property while in the care, custody, or control of a common carrier;
Due to unexplained or mysterious disappearance; or
Due to theft unless reported to police or civil authorities.
“We” will not pay for any loss caused by or resulting from any of the following:
1. Intoxicants or narcotics (including but not limited to DWI and/or DUI) administered on the advice of a Physician or not with the advice/consent of a Physician.
2. Intentionally self-inﬂicted injury, while sane or insane;
3. Committing or attempting to commit an assault or a felony;
4. Aircraft travel, except as Passenger in a licensed aircraft regularly schedule ﬂight;
5. Violation of the Rental Agreement; and/or
6. Conversion of the motor vehicle.
Loss of use for any covered article, at any time and for any reason, is excluded.

This coverage part does not apply if the Renter is in violation of the Rental Agreement.

Additional Information

State Law: Remember state laws may prohibit or modify the optional products oﬀered. Any oﬀer or description on beneﬁts is void where prohibited by law.

Notice of Claim: ALL CLAIMS MUST BE FILED WITHIN 30 DAYS OF KNOWLEDGE OF THE LOSS OR DAMAGE. Please call the oﬃce of MBA Insurance directly to report a claim: 1-843-385-4041.

AUTOMOBILE RENTAL
LOSS DAMAGE WARRANTY
COVERAGE PROVIDED BY:
AUTO RENTAL INSURANCE GROUP PCS (ARIG)

Loss Damage Warranty (LDW) – charged by the day, LDW provides up to $50,000 reimbursement for repairs or replacement of a vehicle involved in an accident, subject to a $1,000 deductible. The Client is responsible for the deductible, whether it is collected from the renter or not. Restrictions apply.

NOTE: This coverage is only provided if there is an accident involving a driver listed on the original rental agreement as Renter or Authorized Additional Driver. Client is responsible for the Deductible whether recovered from the Renter or not. Comprehensive Coverage is included.

Limits of Coverage: LDW Repairs/Replaces Rented Vehicles when involved in an accident with a Limit of up to $50,000, subject to a $1,000.00 deductible.

THESE EXCLUSIONS ARE APPLICABLE TO BOTH CDW AND LDW, but Not Limited To:

I. Caused by or resulting from:

Wear and Tear;
Gradual deterioration;
Flood
Moths, vermin, inherent vice; or
Damage sustained during repair or restoration.

J. Caused by or resulting from:

1. Hostile or Warlike action in time of peace or war, including action hindering, combating, or defending against an actual, impending, or expected attack by:
2. Any government or foreign power (de jure or de facto)
3. Any authority maintaining or using military, naval or air forces;
4. Military, naval or air forces; or
5. Any agent or any such government power, authority, or forces
6. Any war weapon employing atomic ﬁssion or radioactive force whether in time of peace or war;
7. Insurrection, rebellion, revolution civil war or action taken by government authority in hindering, combating, or defending against such an occurrence;
8. Seizure or destruction under quarantine or custom regulation;
9. Conﬁscation by order of any government or public authority; or
10. Risks of contraband or illegal transportation or trade.

K. By nuclear reaction or nuclear radiation or radioactive contamination, all whether:

Controlled or uncontrolled; or
Such loss be direct or indirect; proximate or remote, or be in whole or part
Caused by, contributed to, or aggravated by the peril(s) insured against by this coverage part.

L. To property while in the care, custody, or control of a common carrier;

M. Due to unexplained or mysterious disappearance; or

N. Due to theft unless reported to police or civil authorities.

O. “We” will not pay for any loss caused by or resulting from any of the following:

1. Intoxicants or narcotics (including but not limited to DWI and/or DUI) administered on the advice of a Physician or not with the advice/consent of a Physician.
2. Intentionally self-inﬂicted injury, while sane or insane;
3. Committing or attempting to commit an assault or a felony;
4. Aircraft travel, except as Passenger in a licensed aircraft regularly schedule ﬂight;
5. Violation of the Rental Agreement; and/or
6. Conversion of the motor vehicle.

P. Loss of use for any covered article, at any time and for any reason, is excluded. This coverage part does not apply if the Renter is in violation of the Rental Agreement.

Additional Information