The us drive insurance problems

Usually when the car rental companies car rental, car rental companies in the United States will directly to the users with various types of insurance project choice, the main types include:A, a Collision Damage Waiver (CDW) - car loss danger in different states and different car rental companies, which ranged from $7 to $20 a few, please note that the insurance is by the day, is not calculated on each trip, so a longer this amount is not small.As the name implies, car loss danger can ensure whether collision, traffic accident within the lease, without user claims, all by the rental company (insurance company).Choose this is planted note: some car rental companies will be on this danger to plant set up a deduction, $500, for example, the vehicle collision, below $500 for the repair of the borne by the user himself, car rental companies (insurance companies) is responsible for pay the compensate is part of more than $500.

User can also choose to buy FULL CDW is domestic said "no franchise risks", to reduce the deduction to 0, in this case the user does not need to undertake any repairs, all by car rental companies (insurance companies) is responsible for.

With car LOSS danger usually associated with another danger is planted is a Theft Protection (TP), which is Theft, some companies that risk is separated from CDW, called the LOSS DAMAGE WAIVER (LDW coverage), please note that some car rental companies to TP is the deduction of limitation.If choose the car rental company compensate amount of coverage, so is no purchase excluding franchise in risk, mainly according to individual driving technology, to the difficulty of the route to decide, because the artificial cost is high, a slight accident hundreds or even thousands of dollars are possible, beginners are usually recommended to buy.

 

Second and third Party Liability insurance (3 rd Party Liability) in different states or car rental companies, which is in commonly 7 to $20, is charged by a day, a longer amount is not small.Drive to the car rental company, the first party for the rental of users, the second party for the car rental company, had an accident within the lease, the rent a car and car rental companies outside of the third party personal or property loss, the third party liability insurance for car rental can burden the loss of all or part of.Only part of burden is to point to: different state laws, a company car rental only some basic third party liability insurance, after be or get out of danger, insurance company only pay a fixed amount, such as the third party's loss is very big, beyond the part will have to be borne by the customers.In other words, this is a limitation of compensation, so you also can buy an extra subsidies in the car rental company Insurance (Supplemental Liability Insurance (the "SLI") or Additional Liability Insurance (" ALI ")), to increase the amount of Insurance company, corresponding to reduce your risk, usually buy this kind of Additional risk, protect the forehead to limit can be increased to $1 million.If directly in the car rental company vehicles, it is suggested that must buy third party liability insurance, otherwise, once appear, involves the third party damage accidents, compensation may be a day price, as for whether an extra allowance insurance, can choose according to individual circumstance to buy.

 
Three, including Personal risk: the Personal Accident Insurance (PAI) and Personal Effects Insurance (" PEI ") some rental company put the two together for Personal Protection Plan (" PPP "), the price is about six to eight dollars a day.PAI: insurance company to rent a car drivers and passengers in a car crash death, disability, ambulances in AVIS, for example: the cost of the following situations with pay the cost of drivers and passengers death respectively: $175000 in health care: $2500 ambulance: $2502. The PEI: the insurance company to rent a car driver and his family to rent a car in the car lost property claims.General limit of $1500.The PAI and PEI in a number of companies in the form of additional packages of choose and buy for customers to buy.Also in AVIS, for example, some companies also provide PAI PLUS for choice, that is, the more this danger to plant, can will die with FuJin from $175000 to $250.000.If in front of the exit has bought outside the accident insurance, PAI risks can consider to choose not to.As for PEI, according to the arrangement of their luggage and travel to areas of safety degree to decide, when parking, do not place your bags and the valuables in the car, easy to thieves, as far as possible, carry or in an enclosed yixiang cannot see directly.

 

 Four, roadside Road Assistance (some car rental company called Breakdown Assistance) actually roadside does not belong to the scope of insurance, it's just a service provided by the rental company, usually the price is about $6 per day.After the choose and buy the car broke down on the way, or a flat tire, can call car rental companies, car rental company will send staff to the nearest for you replace vehicles, or replacement tires and other emergency response.Ready to run long distance and heading to the gully channel regions such as the local best choose and buy, or in the middle in the middle of nowhere with no end in sight of the highway will HOLD not to live.