Car Rental USA and Insurance – Car Rental Insurance Terms Explained
If you are from the UK and intend to take a fly drive trip to the USA it is best to be familiar with the insurance cover provided by the large rental companies such as Alamo.
In many countries it is required by law that the car insurance must specify unlimited third party coverage. In the USA this is not the case. Each state in the USA establishes a minimum level of coverage required by law and this may be as low as US $ 5000. When you book car rental in USA through Alamo you will have third party cover of US $ 1million plus S $ 1million to the driver and passengers in the rental vehicle against death or injury caused by the driver of another vehicle who is under insured, uninsured or who commits or drives away from the scene of the accident.
Carefree Personal Protection Insurance knows as (PERSPRO) is not included in any car rental quote and is entirely optional. It is available locally for an additional charge. This cover is for accident indemnity, accident medical expenses and emergency medical evacuation, death and dismemberment, repatriation of remains and personal effects. This would normally be covered under your personal holiday insurance. You will need to check your personal holiday insurance prior to departure and if you are already covered you will not need this additional insurance offered at the rental depot.
Please do take time to read the small print that will be part of the local rental agreement as your insurance can become void if for example you drive on unpaved roads, drive under influence of either drugs or alcohol.
Happy and safe motoring.