How do I report a claim for "Collision Damage Coverage" (the AON plan for US Residents)?

If your policy is from AON please visit travelclaim.com

How US rental companies react to collisions where their renter has an independent policy such as one from RentalCover.com differs between each rental company. This is not an exhaustive list and there are exceptions on a state-by-state basis. If your rental company is missing drop us a line and we will find out the claims process:
 
If you bring your own CDW (purchased on RentalCover.com)...
This table is a generalization and may not apply in your case due to interstate differences. Try the "Compare" tool above & email or call if you still have questions.
Company Who pays the damage bill? How is the bill paid? What else you need to know
ACE CDW Insurer ACE will liaise directly with AON. • 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 CDW Insurer Alamo will liaise directly with AON. • 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 CDW Insurer Advantage will liaise directly with AON. • 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 CDW Insurer Avis will liaise directly with AON. • 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 Policy Holder Budget will charge an amount based on the "damage assessment" and may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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 CDW Insurer Dollar will hold the driver responsible for the liability until your insurer accepts the responsibility. They may charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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 Policy Holder Enterprise will charge an amount based on the "damage assessment". They may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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 Policy Holder Hertz will hold the driver responsible for the liability until the CDW Insurer accepts the responsiblity. They may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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 Policy Holder National will hold the driver responsible for the liability until the CDW Insurer accepts the responsibility. may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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 Policy Holder Zipcar will hold the driver responsible for the liability until the CDW Insurer accepts the responsibility. may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. • 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.

 


 

Contact Us

Please check if these questions are relevant or scroll down to contact us:

About RentalCover.com

  1. Our policies are 50% cheaper than the rental companies, guaranteed!
  2. Enjoy your travel without worrying about rental companies overcharging you for damages!
  3. Our policies are built for the unique requirements of vehicle renting in every country.
  4. Accident-related fees are expensive - we fully cover them.
  5. Our underwriters are some of the best known insurance brands globally.
  6. Multi-vehicle accidents can be complicated. We handle all of the insurance and warranty protection back and forth and reimburse you straight away so you can relax (see our Claims Guide).
Our Rental Guides explain how everything works.
Our global insurance panel includes “A” rated household names such as those below.
 
Our underwriters.
US Fire Axa Assistance Astrenska Insurance Ltd Intact Insurance Chubb

 

Our Rental Guides explain how everything works.
Insurance policies are always calculated in full calendar days to ensure you are covered for the full trip even if you pick up early or drop off late!

Our Rental Guides explain how everything works.
Yes they can! RentalCover.com has created a platform specifically for travel agents, corporate managers and booking agents. We offer competitive prices for all of your clients and a generous commission structure for all agents. Visit agency.rentalcover.com and register your work email to access the full benefits of the platform.

Here are just some of the key features that our agency platform offers:
 
  • A very generous commission structure for every new booking or referral to another agent
  • A single, personalised login to manage and administer multiple bookings for multiple clients
  • A very easy-to-use dashboard that shows all bookings and dates to enable easily modification of multiple bookings
  • Clients also retain full access to the booking so that they can directly edit their bookings, if required.
Click here for more information.
 

How can I book for my clients?

We are just about to launch agency.rentalcover.com, a platform dedicated to helping travel agents make bookings for multiple clients and keep them organized under a single login. We also included a very generous commission structure for our travel agent partners. Find out more
 

Renting a car overseas? Sort out the insurance and warranty protection before you go, and you’ll get better coverage at a better price. Insurance products and full protection products may differ based on where you live and where you’re going, so choose your destination from the country list below and we’ll help you compare a typical rental car company policy, often called Collision Damage Waiver (CDW), to what you’d get with RentalCover.com.

 

Popular destinations

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Claims Info

Visit the claims page for everything you need know about how to make a claim including our document requirements and how long it takes.

If your question isn't answered by the above please fill in the below form or give us a call:

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