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Supplemental Liability Insurance (SLI)
De optional SLI coverage provides the customer with an increased limit of liability protection. SLI protects the renter and any authorized driver listed on the rental contract for up to US$ 1,000,000 toward 3rd party damage claims.
Public Liability Insurance (secondary coverage included in the daily rate)
The Public Liability Insurance covers accidents in the event that the renter is at fault. The policy protects the rental company up to US$ 1,000,000 and the renter to Statutory Limits (State mandated minimum liability coverage). Liability Insurance has no deductible and current limits can be checked @ https://extranet.mbainsurance.net/choice/statelimits.php.
Premium VIP Coverage (included in the daily rate)
Premium VIP coverage includes secondary comprehensive and collision coverage for the rented vehicle with a deductible of US$ 1,000.00 per incident. Coverage includes but is not limited to:
- Accidental damages to the vehicle (renters or 3rd partys fault),
- Uninsured Motorist in case the renter is involved in an accident with a non-insured driver,
- Vehicle theft and fire (personal property and items in the vehicle are always excluded),
- Windshield & glass damage, and
No insurance coverage is provided (liability or comprehensive & collision) while traveling into non-authorized areas including but not limited to the country of Mexico, the inner cities of New York, Montreal and Quebec (Canada) (see Pet, Smoking and Travel Restrictions).
Non-Covered Damages (including but not limited to)
Customer has full legal and financial responsibility in case of:
- Damages to the interior of the vehicle
- Breach or violation of the rental contract
- Carrying more passengers than having seat belts available
- Personal damages and personal property are never covered
- Deliberate and willful damages caused by the renter or his guests
- Damages caused to the vehicle by abuse or misuse for illegal activities
- Renter negligence, e.g. backing up without a guide, following incorrect GPS guidance, etc.
- Damages caused by freezing, e.g. unit not winterized, or overheating of vehicle or systems,
- Damages caused by neglecting proper operating procedures, e.g. incorrect fuel type & quality, ignoring oil or coolant levels, air pressure, etc.
- Damages and losses caused during travel in or thru restricted areas and damages due to off-road usage
- Damages and accidents caused under the influence of alcohol, drugs or other controlled substances
- Damages and injuries caused by overloading the vehicle and/or exceeding the legal towing capacity (towing limit is with proper equipment 1,500 lbs.)
- Operation of the vehicle by anyone not meeting the age requirements as shown on the rate sheets and rental terms & conditions, or not listed on the rental contract or having a valid driver license
Please take note: In case of a claim, Road Bear RV will not act as an adjuster for any third party insurances purchased by the renter (such as $ 0.00 deductible insurance, etc.).