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

The first step is to enter your policy number at the RentalCover.com claims page. You will need to report your incident and claim to AON using the phone number presented. 

How the 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.

 


 

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About Our Price Guarantees

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About RentalCover.com

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Alternatives to RentalCover.com

How to make an informed choice when you get to the rental desk - your insurance options explained.
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Annual Plans

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Claims

How do claims work for "Extra Cover" (for USA & Canada)?
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When can I expect claims to be settled?
How do I make a claim?
Am I insured if I have more than one accident?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?

Country: Asian Countries

What should I do at the rental desk in Asian Countries

Country: Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Country: Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Country: EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Country: Latin American Countries

What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is RentalCover.com?
How much do I pay if there's an accident?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?

Managing/Cancelling/Modifying Policies

How do I cancel a policy, change dates or add coverage? What if I changed my rental vehicle?
Help, I can't login!
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Are additional drivers insured?
How do I change the name of the policy holder?
Who is insured? What is insured?
I bought a policy but changed my car. Do I need a new policy?
How do cancellations and refunds work?
What is a refundable deposit/bond? When does it get refunded?
How do I add coverage to my policy?
I have several rentals over a period of time. Do I need a policy for each rental? What if I have several countries to visit?
What are my policy's inclusions?

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Supplemental Liability Insurance

What is SLI (Supplementary Liability Insurance)?

Theft Protection

What is Theft Protection?

Third Party Cover

Is "Third Party" included?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

Types of Vehicles & Types of Rental (Peer To Peer etc)

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What types of "rentals" are insured? Car shares? Loan cars from mechanics?

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