Your Safety is important to us, we offer you three insurance options.
Additional Liability Insurance (ALI) is HIGHLY Recommended. This raises the third party liability limit from 200,000 RFD to 6,000,000 RD per vehicle. Any additional liability is the responsibility of the driver/renter of the vehicle. No credit cards provide Liability Insurance. Remember in case of ANY accident involving one of our vehicles it is required BY DOMINICAN REPUBLIC LAW and by ALL Insurance Companies to provide a written Police Statement of the incident.
Insurance Options
Additional Liability Insurance (ALI) – -Additional Liability Insurance is HIGHLY Recommended. This raises the third party liability limit from 200,000 RD to 6,000,000 RD per vehicle. Any additional liability is the responsibility of the driver/renter of the vehicle. No credit cards provide Liability Insurance. Renter is responsible for replacement/repair costs in the event of a theft or accident. (Covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Coverage is limited to the terms and conditions contained in the policy.
Basic Insurance – This amount is added to the TPL Insurance, it includes coverage for collision damage to the vehicle with a $500, $1000, or $1500 deductible – depending on the vehicle. Renter is responsible for deductible payment. Coverage is limited to the terms and conditions contained in the policy.
Tire & Windshield (T&W) Insurance – This can be added to the ALI or Basic Insurance coverage to cover any damage to the tires or windshields during the rental period. There is no deductible for these repairs/replacements if this option is chosen. Coverage is limited to the terms and conditions contained in the policy.
Loss Damage Waiver (LDW) – This option is added to the ALI insurance and includes T&W insurance, full theft and damage and also includes the full deductible payment so there is no deductible payment in case of theft or accident. This is the best “worry free” option for coverage of all eventualities during your car rental. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Coverage is limited to the terms and conditions contained in the policy.
Loss Damage Waiver (LDW) is not insurance – it’s an option that relieves you of financial responsibility if your rental vehicle is damaged or stolen during your rental. Even if you think you are already covered under your personal policy, purchasing LDW has a multitude of benefits. It eliminates the hassle of dealing with your own insurance company claim process, stops any out-of-pocket expenses you may incur from the deductible on your personal policy and avoids the risk of your premium increasing. Next time you rent a car, be sure you’re prepared for life’s unexpected turns. This optional coverage offers you big peace of mind for a small investment.
Credit Card Insurance Programs
We accept most credit card rental car insurance policies. Many credit card rental policies insure the rented vehicle against Damage and Theft (LDW) of the rented vehicle, but may not protect against Third Party liability (TPL). Please inquire with your credit card provider about the details of the rental car insurance protection plan. If you decide to use your credit card as the provider of LDW coverage the deposit for the rented vehicle is up to $2000 USD.
Using an insurance program provided by some types of gold or platinum credit cards is a good advantage since these credit cards often cover small scratches, dents as well as the entire rented vehicle in case of collision or theft.
Visit the links below for more info on VISA, MasterCard, and American Express Rental Auto Protection Plans. However, we suggest calling the phone number on the back of your card and inquiring about coverage details.
VISA www.usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html
MasterCard www.mastercard.com/us/personal/en/cardholderservices/index.html
American Express www124.americanexpress.com/cards/
Insurance Coverage and Deductible Regulations
Insurance coverage is void if:
(a) the driver is not authorized by our company to operate the vehicle.
(b) the driver is under the influence of alcohol and/or illegal substances.
(c) the vehicle is operated in a manner that is against the laws of Dominican Republic.
(d.) the driver cannot provide an accident report from the local authorities.
Collision Damage Waiver- and Theft Protection deductibles are doubled for drivers between ages 21 – 25.
Insurance does NOT cover damage to tires, sound system, windows, roof rack, underside- or interior of vehicle except in cases of collisions or theft of vehicle (as outlined above).
This information is only a summary of coverages. Upon request, our staff will gladly send you a copy of coverage details.
