Covered: Waives your responsibility for physical damage to and theft of the rental vehicle, including towing and loss-of-use charges.

Limit: Full value of the vehicle; $0 deductible when the terms are met.

Key exclusions: Damage from prohibited use, off-road driving, driving under the influence, or use by an unauthorized driver. Add drivers on the Add driver page.

Covered: Third-party bodily injury and property-damage claims arising from operation of the rental vehicle.

Limit: Up to $1,000,000 combined single limit above the state-required minimum.

Key exclusions: Intentional acts, cargo/commercial hauling, and claims by the renter or authorized drivers for their own injuries (see PAE below).

Covered: Accidental-death and medical-expense benefits for the renter and passengers, plus loss of personal effects during the rental.

Limit: Medical up to $10,000 per person; personal effects up to $1,000 per person / $5,000 per rental.

Key exclusions: Pre-existing conditions, items left unattended in an unlocked vehicle, cash and negotiable instruments.