1. The cost of renting a car should already include necessary insurance, such as third-party liability insurance. Does it include other insurance? Like theft and rescue? LDW should be short for theft and rescue.
2.2 What's the difference? LDW and CDW?
thank you
The first answer: talk about the main types and choices of car rental in the United States.
Release date: 2010-11-2106.
Recently, more and more friends travel to America from home or outside North America. Car rental and self-driving have always been the first choice for most people, and insurance also accounts for a large proportion of the total cost of car rental. Because some of you who have lived and worked in the United States for a long time have their own private cars, private car insurance will cover part of the car rental insurance, and some credit cards issued locally in the United States can cover part of the car rental insurance. European elders may also enjoy some car rental insurance relief in the United States because they have credit cards applied in Europe. Things are different. Taking a friend from China who has no insurance relief credit card as an example, this paper talks about the types and choices of insurance when renting a car in the United States.
On the website of the car rental company, there are generally the following types of insurance to choose from:
1. collision damage exemption (CDW) or loss damage exemption (LDW). The following is represented by CDW.
According to different states or companies, the insured amount ranges from 10 USD to more than 20 USD per day.
With this insurance, if the renter damages the rented car, no matter it is a collision, a car accident or theft, there is no need to pay.
It should be noted that some car rental companies will also have a certain deduction, that is, after the car is out of danger, the insurance company will only bear part of the expenses, and the excess will be borne by the car rental person. This kind of CDW can only be called "small CDW", and this kind of car rental company often provides insurance called full CDW for choice. In other words, if you choose "small CDW", you may have to bear part of the CDW after the accident, causing car-related problems such as collision, car accident and theft, without bearing any expenses. As for the choice of full CDW or "small CDW", it should be decided according to the personal driving skills and the difficulty of the route.
Choice suggestion: Because of the high labor cost in the United States, small things of hundreds or even thousands of dollars are possible. It would be better if you didn't have to bear any expenses.
Two. Third party liability insurance.
Depending on the state or company, the insurance amount is generally $65,438 +00-20 per day.
With this insurance, if the renter has an accident while driving the rented car, resulting in personal or property losses to a third party other than the renter and the rental company, this insurance can bear all or part of such losses for the renter. Paying only a part means that the laws of each state are different. Some companies only include basic third-party liability insurance when renting a car. After the accident, the insurance company only pays a certain amount. If the third party suffers heavy losses, the excess shall be borne by the lessor. In other words, this is limited compensation. Therefore, the car rental company also provides supplementary liability insurance ("SLI") or additional liability insurance ("Ali") to increase the amount borne by the insurance company and reduce your risk accordingly.
Choice suggestion: confirm whether the basic third party liability insurance is included in the funds of car companies, and this part of insurance should be paid at their own expense. As for SLI or Ali, individuals can decide for themselves according to the specific situation.
Three. personal insurance
Personal accident insurance ("PAI") and personal belongings insurance ("PEI")
Many companies combine these two types into personal protection plans ("PPP"), which are less than $65,438+00 per day.
1. Pai: With this insurance, the insurance company will pay for the death, injury, ambulance and other expenses of drivers and passengers caused by car accidents.
Taking AVIS as an example, the fees paid to drivers and passengers under the following circumstances are as follows
Death: $65,438+$075,000
Medical care: $2,500
Ambulance: $250
2. Pei: With this insurance, the insurance company will pay for the loss of property in the car while renting the car for the driver and his family. The general limit is $ 1, 500.
In many companies, the above PAI and PEI are packaged and purchased by renters. Take AVIS as an example, some companies also offer PAI PLUS as an option, that is to say, if you add this insurance, the death compensation will increase from $654.38+075 million to $250,000.
If an individual's local insurance covers the compensation for driving abroad, PAI can ignore it. As for Pei, pay attention to yourself and take your valuables with you.
To sum up, the general principle of insurance choice is: spend money to buy protection.
Don't give up some important insurance to save money or take a chance, and don't be afraid to pay attention to traffic safety because you are fully insured.
Other answers: Royal Bank of Canada has some credit cards including LDW and CDW car rental. In addition, it also includes aviation accident insurance when swiping a card to buy a ticket, and points are exchanged for prizes. There is no annual fee. . . Ha ha.
Other answers: I have!
Other answers: good information, leave claws.
Other answers: very practical. I just went to America in July and am going to rent a car in Hertz. I see. Thank you!
Other answers: marking papers,
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Other answers: 1. CDW: accidental collision damage insurance. If the leased vehicle is damaged, the insurance will cover maintenance costs and loss of use. After purchasing CDW, passengers will have an excess amount in the lease agreement when they pick up the car. This amount means that if the vehicle is damaged, it will be borne by the lessor and the excess will be borne by Avis.
2. Super CDW: an enhanced version of CDW, with an excess of 0 but a higher price. Passengers can choose whether they need to buy a car when they pick it up. This kind of insurance cannot be booked in advance.
3.TP: Theft rescue, including the economic responsibility when the rented car (or part of it) is stolen. Customers may have to pay extra fees, the amount varies from country to country, please confirm with the front desk when picking up the car.
4. Super-TP: an enhanced version of TP, which needs to be purchased at the pick-up counter.
5.LDW: CDW+TP is combined in the United States, Canada, Australia and New Zealand.
6. Ali: Third-party liability insurance with the coverage of1-20,000 USD, applicable to the United States.
7.PAI: personal accident insurance. If passengers have already purchased overseas medical/rescue insurance in China, they do not need to buy it again.