Rental Insurance

Insurance Options:

1. Collision Damage Warranty (CDW) – $40/day

Affordable Rental Vehicle Damage Insurance

Up to $35,000 Damage
$1,000 Deductible
Primary Insurance for accidents between vehicles
Does not cover non-rental vehicle damage
Excludes comprehensive coverage, such as mechanical issues caused by misuse, theft, vandalism, single car accident
Not for commercial use. Not compatible with cars for hire and delivery services such as Uber, Lyft, DoorDash.

2. Renter’s Contingent Liability Insurance (RCLI) – $35/day

Primary State Minimum Liability Insurance Utah

Bodily Injury - Per Person - $25,000.00
Bodily Injury - Aggregate - $65,000.00
Property Damage - $15,000.00

3. Supplemental Liability Insurance (SLI) – $20/day

Coverage is in Excess of Any Primary Liability Coverage

Bodily Injury - Per Person - Up to $100,000 in total
Bodily Injury - Aggregate - Up to $500,000 in total
Property Damage - $10,000 additional coverage

4. Personal Accident & Personal Effects Insurance (PAI/PEI) – $20/day

Accident, Medical & Personal Effects Insurance

Renter Loss of Life - $50,000
Passenger Loss of Life - $5,000
Accidental Medical Expense - $1,000
Personal Effects Coverage - $500 with up to $25 deductible will be applied

5. Important Notice - More Info on Collision Damage

Performance Guarantee program has major benefits:

WilllimitOut-of-Pocketrepairexpense.
Willprotectyourfamilywithproperrentalcollision coverage.
Couldprotectyourpersonalautopolicyfrom collision rate increases.
Easyclaimsreportingprocess.
Maybecombinedwithothercoverage;suchas SLI and PAI/PEI for total protection.

Definitions

Named Warranty Holder is the Rental Agency that provides the renter the vehicle and as further defined in the policy.
Certificate Holder is the person shown on the rental contract or any other authorized driver as named on the rental contract.
Rental Start Date is the start date as shown on the agreement and must coincide with selection of CDW.
Rental Return Date is the date listed on the rental agreement or the date the vehicle is actually returned.
Exotic Vehicle(s) includes, but are not limited to: Bentley, Ferrari, Lamborghini, Lancia, Lotus, Maserati, Pininfarina and Rolls Royce and are excluded.
Actual Cash Value is the purchase price less depreciation of the vehicle.

What is the limit?

This product can be sold on vehicles over $35,000, however damage over that level will be the responsibility of the renter/driver.

• Maximum Limit $35,000 & $500 Deductible • Coverage is for accidents between vehicles Exclusions:
Coverage not provided for loss due to:

A) A contract violation by the renter, or any other driver, authorized or unauthorized.

B) Any vehicles other than private passenger cars and authorized vans or R.V.

C) Any claim made where the driver of the covered

vehicle is not listed on the Rental Agreement as an

Authorized Driver.

D) If similar coverage is afforded by any valid and collectible insurance, other than the renter personal auto policy.

E) Failure to follow the appropriate claims reporting procedures.

F) Single vehicle collision or Damage to any other vehicle.

G) Participation in motor sport or motor racing competition and/or practice.

H) Driving under the influence of alcohol or drugs, whether prescribed or not.

I) While committing any unlawful acts.

J) Vehicles used For-Hire.
The purchase of any of the insurance described in this brochure is not required in order to rent a vehicle. The policies may provide a duplication of coverage already provided by a renter’s personal insurance

How to Report A Claim CDW CLAIMS PROCESSES

Please go to: bonzah.com/company/claims to directly report a claim. All claims on CDW must be made immediately upon notice of the incident or accident giving rise to the claim. The CDW Contract is for reimbursement of covered claims through reimbursement to the Renter, proof of payment is required.

All claims must include:

Copy of rental agreement
Copy of vehicle registration
Copy of the Driver’s License
Copy of the Police Report**
Copy of the estimate of damage.
A written, detailed report of the incident from the renter
**Police Reports are required for a claim submission to be considered for reimbursement

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 Transportation Insurance Group, Inc.

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 222 – Waldwick, NJ 07463 Administered by: A. R. I. G., Inc. c/o Car Rental Association, Inc.
P.O. Box 15236
Surfside Beach, SC 29587

Phone: 843-668-5272

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.

6. Important Notice - More Info on Renter’s Contingent Liability Insurance

The purchase of any of the coverage described herein may duplicate, void or alter existing coverage. Rental company employees cannot interpret or advise you on what the policy may or may not cover. Policies and Coverage vary and Counter Personnel should not interpret or advise you concerning this or any other insurance coverage that may or may not be applicable.

Availability of Coverages Described:

Federal, state or local law may limit, vary or entirely prohibit the terms, conditions or coverage. Any offer as described herein is void if prohibited by law.

Renter’s Contingent Liability Insurance

Renter’s Contingent Liability Insurance is coverage which acts in the place of a primary automobile policy for the renter of a vehicle who does not maintain a personal automobile policy. The limits of insurance are as shown on the Certificate of Insurance and will correspond to the minimum financial responsibility in the appropriate jurisdiction should an accident occur.

Coverage

The coverage provided under this policy shall be extended to all individuals who rent an automobile from the named rental car company or website
who elect to accept Renter’s Contingent Liability Insurance coverage on the face of the rental agreement identified above prior to the rental, paythe appropriate premium for the coverage and are listed as the renter or as an additional driver on the rental agreement for the term of the rental as stated on the rental agreement. The rental term may be extended, but is not to exceed thirty days.

Who is An Insured?

Protection under the Renter’s Contingent Liability Insurance Policy is only provided to those drivers who are specifically named on the original Rental Agreement and who have elected to purchase the insurance coverage.

Availability of Coverages Described:

Federal, state or local law may limit, vary or entirely prohibit the terms, conditions or coverage. Any offer as described herein is void if prohibited by law.

Renter’s Contingent Liability Insurance

Renter’s Contingent Liability Insurance is coverage which acts in the place of a primary automobile policy for the renter of a vehicle who does not maintain a personal automobile policy. The

No coverage extends to any driver who is not specifically named on the original Rental Agreement, even if that individual had the permission of an insured.

Limit of Insurance the same conditions will be considered as resulting from one accident.

The Minimum Financial Requirements, as described by the statutes of the state of jurisdiction over
the accident, are the MAXIMUM limits of coverage provided.

Conditions

Coverages hereunder are voided, do not provide protection and have no force and effect under the following conditions:

A. The Renter’s failure to pay for charges due under the Rental Agreement in accordance with the terms of the Rental Agreement;

B. Use or operation of the vehicle in violation of the terms of the Rental Agreement, including, without limitation, participation in any speed contest, driving under the influence of drugs or alcohol, driving the vehicle beyond the geographic limitations stated in the Rental Agreement;

C. Wherethedriveroftheautomobileatthetime of loss is not a renter or additional driver specifically authorized in the Rental Agreement.

D. Obtainingthevehiclebyfraudor misrepresentation;

E. Useofthevehiclewhileundertheinfluenceof narcotics, alcohol or drugs for any reason, whether recreational or prescription and whether prescribed or not.

The Insurer will pay all sums an insured is legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies, provided that:

1) The bodily injury or property damage results from an accident involving a rental vehicle;collectible insurance.

2) The accident occurs while the rental agreement is in effect and that the rental agreement becomes effective during the policy period; and

3) Renter’s contingent liability insurance has been elected by the renter at the origin of the rental agreement.

Separate limits of insurance apply for bodily injury and property damage liability, as shown on the Certificate of Insurance. The limit of insurance for each rental agreement is as follows:

1) The most we will pay for all damages resulting from bodily injury to any one person caused by any one accident is the state minimumfinancial requirement for one bodily injury in the jurisdiction in which the accident occurs.

2) Subject to the limit for each person, the most we will pay for all damages resulting from bodily injury caused by any one accident is the state minimum financial requirement for all bodily injury in the jurisdiction in which the accident occurs.

3) The most we will pay for all property damage caused by any one accident is the state minimum financial requirement for property damage in the jurisdiction in which the accident occurs.

All bodily injury and property damage resulting from continuous or repeated exposure to substantially.

Exclusions

Please refer to the full policy wording for a complete list of exclusions and further explanation of
the exclusions. Coverage, limits, exclusions and endorsements are governed by the policy wording and the policy supersedes all other documentation.

How to File a Claim

All claims must be made immediately upon notice of the incident or accident giving rise to the claim. All Losses must be reported within 30 days of Date of Loss.

All claims must include:

- Accident report or Notice of Loss

- Police report

- RCLI Claim Form as provided by the vehicle rental agency at the time of a claim

- A copy of the original Rental Agreement as rendered at the rental counter

- Photos documenting the occurrence, if possible - Driver statement

All documents may be sent to the address
below for forwarding to the insurance company. You will then be contacted by an appointed insurance adjuster.

for review. Coverage is underwritten by Auto Rental Insurance Group, Inc.

A written request must be made directly to the through the administrative offices of:

7. Important Notice - More Info on Personal Accident & Personal Effects Insurance

The purchase of any of the coverage described herein may duplicate, void or alter existing coverage. Rental and Sharing company employees cannot interpret or advise you on what the policy may or may not cover. If you purchase Supplemental Liability Insurance or Personal Accident/Personal Effects protections, various credit card insurance death benefits could become “excess insurance coverage,” meaning that any benefits due are available only if the amount sought in a claim exceeds the policy limits of any other applicable insurance purchased by cardholders, or those benefits could become void. You may duplicate coverage already provided by your personal automobile insurance policy, homeowner’s insurance policy, personal liability insurance policy or other sources of coverage.

Policies and coverage vary and Counter Personnel cannot advise you concerning other coverage that may not be applicable.

Availability of Coverages Described:

Federal, state or local law may limit, vary or entirely prohibit the terms, conditions or coverage. Any offer as described herein is void if prohibited by law.

Personal Accident Insurance

Accidental Death provides 24-hour accident protection to the primary Renter or Sharer and their immediate family for a death while traveling in the Rented or Shared Vehicle during the entire period of the Rental Agreement. Passengers are protected only while in, boarding or alighting from designated vehicle.

Renter Loss of Life $50,000 Passenger Loss of Life $ 5,000

Accident Medical Insurance

Accidental Medical Expense provides You, Your passengers and Your immediate family with $1,000.00 of 24-hour accidental medical expense coverage while in, boarding or alighting from the designated vehicle for emergency medical expenses and ambulance fees.

Personal Effects Insurance

Personal Effects Coverage provides limited coverage for Your personal belongings from loss or damage caused by theft of, damage to, or accident involving your Rental or Shared Vehicle. Personal Effect Coverage provides reimbursement for the actual cash value of the items subject to certain maximum, deductibles, limitations and exclusions.

Personal Effects Coverage protects Your personal belongings as the primary Renter or Sharer and those of Your immediate family traveling with You. The maximum Personal Effects Coverage Amount per rental contract is $525.00, which is subject to a per claim deductible of $25.00. The aggregate limit is $500 per rental contract. Coverage is subject to one claim per rental contract period.

Personal Accident Insurance

Renter Loss of Life $50,000 Passenger Loss of Life $ 5,000

Accident Medical Insurance

Personal Effects Insurance

The items not covered are: electronics such as, but nor limited to, cell phones, smart phones, tablets and computers, securities, currency, deeds, artificial teeth or bridges, documents, tickets, eyeglasses/contact lens, prosthetic limbs, automobiles, automobile equipment, animals, motorcycles, motorcycle equipment, motorized boats, motors, other conveyances, perishables, bullion, household furniture. Loss or damage occurring through wear and tear or gradual deterioration, insects or vermin, inherent vice or damage, and "mysterious disappearance" are not covered.

Exclusions

If You violate the terms/conditions or use restrictions of the rental agreement, coverage is void and no coverage is provided.

If You fail to accept any of the coverage at the start of the Rental or Sharing agreement.

If there is a failure to pay the charges due and if the vehicle is obtained through misrepresentation.

For fines, penalties, punitive or exemplary damages.

Also excluded is any claim arising out of a Suicide or a Suicide attempt, intentionally self-inflicted injuries or any attempt at it; sickness, disease or bacterial infection; infections which occur as a result of an injury; bacterial infection; attempt to commit a felony; participation or engaging in an act of violence, civil disobedience, civil disorder, riot or insurrection; injury sustained while the covered person is riding in or on any aircraft; hernia unless resulting from a covered accident; participation in professional team sports or other professional athlete activities; being under the influence of any intoxicant or narcotic unless administered on the advice of a physician; dental treatment except as the result of injury to sound natural teeth; replacement eyeglasses or eye examination for the correction of vision; pregnancy or complications thereof or resulting childbirth.

How to File a Claim

All claims must be made immediately upon notice of the incident or accident giving rise to the claim. All Losses must be reported within 30 days of Date of Loss. The aggregate limit is $55k for all PAI & PEI coverages.

All claims must include:

- Accident report or Notice of Loss

- Police report

- Claim Form as provided by the vehicle rental agency at the time of a claim

- A copy of the original Rental Agreement as rendered at the rental counter

- Photos documenting the occurrence, if possible - Driver statement

Information

A copy of the insurance policy, as issued by the insurance company, can be made available for review. Coverage is underwritten by Auto Transportation Insurance Group, Inc. A written request must be made directly to the administrative offices of:

P.O. Box 222, Waldwick, NJ 07463
Phone: (201) 968-9494 or Fax: (201) 968-1116

Pablow Inc. D.B.A. Bonzah.com

800 4th Ave. #1041, Grinnell, IA 50112

Phone: (866) 266-0505

To start a claim please go to this website: bonzah.com/company/claims

Or
send an email to [email protected]