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The way US rental companies react to collisions where their renter has an independent policy, such as one from RentalCover.com, differs between each rental company.

If you have a RentalCover.com policy and a US claim, depending on the rental company, extent of damage and other factors, one of these two scenarios will take place (if the claim is approved). We will keep you informed after you submit your claim:
1. You will pay for the damages upfront and seek reimbursement from RentalCover.com, or
2. The rental company will work with RentalCover.com so you do not need to make any payment.

 

Who pays if you bring your RentalCover.com CDW?

ACE

Who pays the damage bill?	How is the bill paid?	What else you need to know
CDW Insurer	ACE will liaise directly with RentalCover.com	• ACE will contact your CDW Insurer immediately after an accident or upon return of vehicle. • If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), ACE won't charge you but will keep on trying contacting your CDW Insurer.

Alamo

Who pays the damage bill?	How is the bill paid?	What else you need to know
CDW Insurer	Alamo will liaise directly with RentalCover.com	• Alamo will contact your CDW Insurer immediately after an accident or upon return of vehicle. • If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Advantage

Who pays the damage bill?	How is the bill paid?	What else you need to know
CDW Insurer	Advantage will liaise directly with RentalCover.com	• You need to quickly engage your CDW Insurer. Your CDW Insurer would be responsible for the damages. • If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will need to keep contacting your CDW Insurer, but Advantage won't charge you for the damages.

Avis

Who pays the damage bill?	How is the bill paid?	What else you need to know
CDW Insurer	Avis will liaise directly with RentalCover.com	• Avis will contact your CDW Insurer immediately after an accident or upon return of vehicle. • If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Budget

Who pays the damage bill?	How is the bill paid?	What else you need to know
Policy holder	Budget will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com..	• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs. • Budget will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

Dollar

Who pays the damage bill?	How is the bill paid?	What else you need to know
CDW Insurer	Dollar will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com.	• Dollar will contact your CDW Insurer immediately after an accident or upon return of vehicle. • If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

Enterprise

Who pays the damage bill?	How is the bill paid?	What else you need to know
Policy Holder	Enterprise will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com.	• Enterprise will charge a deductible directly to your credit card in the event of damages ($500 - $1000). • You will need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.

Hertz

Who pays the damage bill?	How is the bill paid?	What else you need to know
Policy Holder	Hertz will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com.	• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs. • Hertz will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

National

Who pays the damage bill?	How is the bill paid?	What else you need to know
Policy Holder	National will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com.	• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs. • National will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

Zipcar

Who pays the damage bill?	How is the bill paid?	What else you need to know
Policy Holder	Zipcar will hold the driver responsible for the liability until your insurer accepts the responsibility, and your insurer may reimburse you. If you have any queries with your claim, please reach out to RentalCover.com.	• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs. • Zipcar will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

Want more information? Our Rental Guides explain how everything works.

Din nefericire, comisioanele la tranzacții sunt inevitabile atunci când călătoriți internațional. 

Atunci când plătim o solicitare de despăgubire prin transfer bancar, băncile solicită un comision de minim 15 $ (sau echivalentul în moneda dvs. locală). Nu transferăm aceste costuri către dvs. dacă banca ne solicită acest comision. Însă, dacă banca vă solicită dvs. acest comision, din păcate nu putem să acoperim costul.

Sunt avute în vedere mai multe aspecte atunci când se compară ratele de schimb și exisă mai multe moduri de calcul ale acestora. Să folosim un exemplu:

• Mark este din Regatul Unit. Lui i s-au reținut 500 € de către compania de închirieri pentru un accident în Franța. Solicitarea lui de despăgubire pentru 500 € a fost aprobată azi de RentalCover.com.
• Mark va fi plătit în GBP.

Echipa RentalCover.com pentru solicitările de despăgubire convertește valuta facturată (în cazul lui Mark, este vorba de Euro) în valuta de plată (în cazul lui Mark, este vorba de GBP) în funcție de ratele de transfer disponibile pe diverse platforme de transfer de bani. Acestea sunt cu 3-5% mai bune decât comisioanele băncii și cu 4-6% mai bune decât cele ale biroului de schimb.

All claims must be submitted online - we recommend that you use a computer instead of a mobile phone for easier document uploading. Just enter your Reference Number (this ends with "INS" and can be found on your confirmation email).

After the protection is completed and the damage charge has been settled with the rental company, please submit your online claim and attach any supporting documents. You can click on the button below to get started. 

Make a Claim

1	2	3	4
Claim is started via the online claim form	Our Claims Team will assess your claim	Once approved you will receive a payment link via email and text message	Payment is completed quickly by electronic transfer

We will keep you updated by email at every step of the claims journey. With the exception of Supplemental Liability Insurance claims (for US rentals), your claim will take between 5 - 10 days to process depending on where you live and where you went. Claims involving multiple vehicles may take longer.
 

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.

All claims follow these four stress-free steps:

1	2	3	4
Claim is started via the online claim form	Our Claims Team will assess your claim	Once approved you will receive a payment link via email and text message	Payment is completed quickly by electronic transfer (learn more)

We will keep you updated by email at every step of the claims journey. With the exception of Supplemental Liability Insurance claims (for US rentals), your claim will take between 5 - 10 days to process depending on where you live and where you went. Claims involving multiple vehicles may take longer.

If you have any questions about your claim, for example if you would like to submit additional documents to support your claim, please reply to our email and the team will be happy to help. 

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.

In the event of a breakdown or an accident, it’s important to ensure everyone is safe. Where possible pull over, turn on your hazard lights and get everyone to safety. You can then:

1. Collect the other parties' details including their:

• Full name
• Address
• Licence number 
• Vehicle registration number 
• Phone number
• Name of their insurance 

2. Contact your rental company to report the incident. You can find their number on your signed rental agreement. They will instruct you on the processes such as vehicle recovery or replacement, roadside assistance and, depending on your country of travel, the charges that you may incur.

3. Contact the police to report the incident and gather evidence for your claim. Our Claims team may ask you to provide evidence such as written statements or police reports.

4. After following the rental company's instructions and your rental period is over and the final charges have been settled by the rental company, submit a claim with RentalCover.
 
When you complete your rental
Typically if you are travelling outside of the US, you will be charged an excess/deductible for the damages. It’s important to speak to the rental company to see if they intend to refund those charges if you are found to be “not at fault”. Check your wording in your RentalCover Account for more information on how we handle "not at fault" accidents.

Preferably the rental company can provide you with a document explaining the process and those rules. We will also seek this information during our investigation.

​After we’ve received all required documents and information our Claims team can begin processing your claim and preparing your refund when the claim is approved. Our aim is to process 95% of Collision Damage Insurance (CDI) claims within 5-10 business days. Supplemental Liability Insurance (SLI) claims can take longer.

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.

To help our team assess your claim as quickly as possible we ask all customers to provide the following documents using our online claims form. We need full information to assess your claim, so please attach any documents you think may be relevant to your situation.

1. A copy of the rental agreement

> What is this?
The signed contract provided by the rental company when you picked up your vehicle. It should include the names of authorised drivers, the rental dates, and the excess.

> Why is it needed?
We need this document to confirm that you and any additional drivers are included in the agreement. It also includes the rental dates, the rental terms and the excess amount that can be charged by the rental company.

>What should it include?

1. Rental dates.
2. Names of authorised drivers.

 

2. A photo of your driver's licence

> What is this?
A photo of the licence you used to rent the vehicle.

> Why is it needed?
We need this to confirm your identity matches the details on your rental agreement, and that you held a valid licence at the time of the rental.

>What should it include?

1. Name.
2. Address.
3. Licence number (if applicable).
4. Date of birth.

 

3. Bank or credit card statement with the final rental company charges

> What is this?
A card statement that displays the final amount you paid to the rental company for damages, and any refund you may have received. (Refunds often occur if the full deductible excess was charged upfront and the final damage cost was less than the amount that you paid).

> Why is it needed?
We need this document to verify that the correct amount has been paid to the rental company. Without this, we cannot approve a claim because there is no evidence of payment.
 

​4. The repair invoice from the rental company

> What is this?
This is the final repair invoice or receipt from the rental company that clearly shows a cost breakdown that separates your rental costs from the damage costs or excess charges. In some cases, this document will also indicate any refund amounts due to you.

> Why is it needed?
This document confirms the final damage amount charged by the rental company. 

> What should it include?

1. Repair cost breakdown.

 

5. Written correspondence between the driver and the rental company

> What is this?
Any emails, letters or customer support chats you have exchanged with the rental company following your accident.

> Why is it needed?
This information can help us verify the details of your situation and save time when assessing your claim request.
 

6. Your final invoice from the rental company

> What is this?
In the event of an accident or damage, some rental companies will charge you the full deductible excess applicable for the car, and later they will refund you. Alternatively, they may just charge you an amount for damages that is less than the full deductible excess. Either way, we require you to provide the final invoice that clearly shows the final amount that you’ve been charged (learn more here).

> Why is it needed?
We need this document to pay your claim as it confirms the final amount you have been charged.

>What should it include?

1. Cost breakdown

 

7. If relevant, a copy of a police report

> What is this?
This is an official report created by the police. It should include information about your accident, including the date and time of the accident, the date and time the police were notified, driver and passenger details, a summary of the damages and any witness statements.

> Why is it needed?
This document confirms the circumstances of more serious accidents. If your claim becomes a legal matter this report can be invaluable. You can obtain this document by contacting the local law enforcement agency.

>What should it include?

1. Date and time of the incident.
2. Details of the incident.
3. Personal details of individuals involved.
4. Any witness statements.
5. Date and time the police were notified.

 

8. Damage report

> What is it?
This is a damage report, also known as an accident or incident report provided by the rental company. It will generally be a form where the company will indicate the areas on the car that have been damaged. You can contact your rental company if you have not received this document. 

> Why is it needed?
We need this document to confirm the damage that has been done to the car. It helps us ensure that the correct information has been exchanged between the parties involved in the accident.

> What should it include?

1. Customer information.
2. Vehicle information. 
3. Event information.

 

We aim to complete 95% of claims within three business days. It can take longer if documents are missing so please provide the documents at the outset. Once approved you will receive an email that includes a link to a payment form where you will enter your bank account details. Approved claims are paid instantly, however, it can take several days to settle depending on your bank country. If you have a US rental with Supplemental Liability Insurance please read this article.

If you are a US resident with our “Collision Damage Protection” plan, your claim will follow these four stress-free steps:

1	2	3	4
Start the process via our online form and then we will advise the next steps.	Once you've submitted your claim with the insurance provider Crum & Forster, they will assess your claim	You’ll be notified by email from Crum & Forster when your claim has been approved	Crum & Forster will post you a cheque for the refund amount in the name of the insured passenger

Please note that claims normally take between 4-5 weeks to be assessed, though this may take longer if any documents are missing.

You can always track your claim via the claims portal but please contact us if you have any issues with your Crum & Forster claim.

This invoice displays the final amount that you will have paid your rental company in the event of an accident, once the final charges have been settled.

 

We need this document to pay your claim as it confirms the final amount you have been charged.

If you are having difficulty obtaining this document, we recommend calling your rental company for a speedier response.

How to make a claim

After your trip has ended and your vehicle has been returned you can submit your claim using our online form.

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.

Submit your claim as soon as possible to ensure you don’t exceed the maximum notice period.

You can find information about your claim notice period in your RentalCover documents, accessible from your RentalCover Account. 
 
You may be able to submit a claim outside of this time, but you will need to explain the reason for this delay.
 
Please check this article to ensure you have all the required documents.

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.

If you have been involved in a multi-vehicle accident, please ensure you collect the other parties details including their: 

• Full name
• Address
• Licence number 
• Vehicle registration number 
• Phone number
• Name of their insurer

You will need to share these details with both us and your rental car company when you begin a claim.

The claims process is different for single and multiple-vehicle accidents, and it can also differ by country.

For accidents where more than one vehicle is involved, an investigation usually takes place between ourselves and the rental company. However, in the US and some other countries the investigation is between us and the other driver's insurer.

Please remember for a successful claim you must ensure you have not broken any local laws or breached your rental agreement. 

For more information on the claims process, please read your wording in your RentalCover Account. 

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
 

In case of a medical emergency, please contact our emergency medical assistance provider, On Call International via the phone numbers below so you can get help as soon as possible.

A medical emergency is an event that poses an immediate risk to a person’s life and requires immediate assistance as a result of a serious injury, death or any other acute illness.

For customers: 
In the United States, please call 1-855-892-6490
Outside of the United States and Canada, please call 1-603-328-1378

If you have a US rental with our “Supplemental Liability Insurance” plan, your claim will follow these four steps:

1	2	3	4
Start the process via our online form and then we will advise the next steps.	Once you've submitted your claim with the insurer, they will assess your claim.	You’ll be notified when your claim has been approved.	The insurer will issue the payment to the third party.

Please contact us if you have any issues with your claim. For more information about SLI please read this article.

When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.