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Insurance National Car Rental

My Insurance Coverages

1. Can I change my insurance policy as needed?

Yes. With National General Insurance, you can update your policy as needed by calling 1-800-325-1190. Or, if you purchased your National General Insurance policy by working with an independent agent, you can work with them to change your policy. Regardless of how you bought, you can also take advantage of many of our online account features by simply setting up an online account. Then you can view and manage your policy at any time – all from your own computer.

2. Which drivers are covered by my auto insurance policy?

Your policy covers all of the people you listed when you purchased your auto insurance. If you aren’t sure who is included, check your online account or call a National General Insurance representative at 1-800-325-1190 to find out.

As a general rule, all members of your household who have the potential to drive your car, even if it’s just now and then, should be included. This will prevent problems if a driver who is not listed on your policy were to get into an accident while driving your car. Otherwise, such an event could slow the claims process or cause you to be denied coverage.

If you lend your car to someone who is not a member of your household, but is a properly licensed driver, that person is covered through our No Step-Down Liability feature. 1 It’s yet another great reason for using National General Insurance for all your vehicle needs.

3. What are my coverage and deductible options?

National General Insurance can meet all your vehicle insurance needs with a variety of SmartDiscounts® and our family of SmartServices®, designed to give you the flexibility – at every stage in life – to meet your car insurance needs.

In addition to the minimum coverages required by state law, also available are broader coverages and first-class features and benefits to protect you and your family in case of accident or breakdown.

Coverage Options:

  • Liability coverage (bodily injury, damage)
  • Medical Payments
  • Extended coverages and optional services

And remember – state requirements vary, as do the coverages you need if you lease or finance your car.

Deductible Options:

  • In general, the higher your deductible, the lower your auto insurance premiums
  • Balance the deductible you choose with your ability to pay, should the unforeseen occur

Consider the coverage limits that make sense for your vehicle and your financial situation. Your National General Insurance representative or local agent will be happy to discuss the right levels of coverage and deductibles for you, your family, and your wallet!

4. What should I do before buying or leasing a new car?

Make sure you have the appropriate insurance for your vehicle. Leasing and financing companies will require specific minimum coverages.

Choosing a vehicle with safety and security features like anti-theft devices or OnStar® can help lower auto insurance rates.

Before buying, consider that some vehicles are more costly to insure than others. It pays to get a rate quote based on the vehicle you are considering.

5. Can I transfer auto insurance to a new vehicle?

Yes! When you decide to buy a new vehicle, it’s easy to transfer auto insurance from your current policy to your new car. Simply update your vehicle information online or contact a National General Insurance customer service representative at 1-800-325-1190 and we’ll be happy to assist you.

Transfer Effective Date:
Insurance transfers can become effective immediately, or you can schedule a desired effective date for the future.

Your Premium:
As with making any type of change to your policy, if you transfer auto insurance to a new vehicle, your premiums may be affected.

6. Does my auto insurance cover me if I rent a car?

It depends.

When you rent a car, you will be offered auto insurance. However, your regular auto insurance may already provide you with adequate protection, even in a rental car.

If you use a credit card to rent a vehicle, you may also have coverage through your credit card company. This is typically secondary coverage, with your usual auto insurance picking up the primary role in case of an accident.

Before buying additional coverage, be sure to look at:

  • The rental car coverage provisions in your regular auto insurance policy
  • Rental car provisions on your credit card, including the fine print!

But remember – a small amount of damage to a rental car (even a scratch in a parking lot) is not the same as minor damage to your own car which you might ignore or get fixed on your own. The rental company will assess the damage and bill you for whatever amount they see fit. They may even charge “loss-of-use” fees while the car is being repaired. These amounts quickly add up.

You can avoid these headaches when you purchase the rental car company’s auto insurance.

If you’re traveling outside the U.S. and renting, you’ll need to check with your insurance company or agent to see if your auto insurance applies abroad. Even minor accidents or damage could involve a costly and time-consuming process.

Frequent and experienced travelers often decline optional rental car coverage. But a good rule of thumb? Call your insurance agent and your credit card company in advance. Make sure you’re not paying for duplicate coverage, but consider your willingness to risk some liability or, depending on the price, to purchase rental car coverage “just in case.”

7. How can I get the best auto insurance price possible?

To get the best possible auto insurance rates:

  • Determine the auto insurance coverages, coverage limits, and features that give you the protection you need.
  • Consider raising your car insurance deductibles to lower your auto insurance premium.
  • Look for features that reduce your risk like air bags, anti-lock brakes, anti-theft devices and off-street parking.
  • Drive safely. Those with no traffic violations, accidents or other incidents benefit from lower rates.
  • Look for opportunities to bundle multiple types of insurance, like homeowners and auto insurance for reduced rates.
  • Be responsible with your credit. Those with good credit are considered a better risk, and that means a better price for auto insurance, in states where insurance scores are used by insurance companies.
  • Look for value over the long-run.
  • Check with your National General Insurance representative about the many ways to save with built-in rate reductions and our family of SmartDiscounts.

For a great rate, get a quote online. It’s free and it’s fast!

8. How much auto insurance is required in my state?

Since all 50 states have their own laws regarding insurance, there is no single rule that everyone can follow. However, most states do require all drivers to have liability insurance.

For a complete list of requirements for your state contact a National General customer service representative at 1-800-325-1190

Save on auto insurance with National General Insurance’s Low Mileage Discount offered exclusively to OnStar Subscribers.

Learn More

RVs are special. Get specialized insurance from the RV insurance experts at National General Insurance.

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Affordable Car Rental
Damage Insurance

[bôn-zāh] adjective: “That Covered Feeling” ™

• Drive Confidently
• Up to $35,000 Damage, Theft Protection
• Primary Insurance for Rental Cars
• Avoid Expensive Rental Counter Prices
• Zero Deductible
• Coverage in 50 US States and Worldwide
• Compatible with major rental car companies

Rental Car Damage
Baggage & Personal Items
Zero Deductible
10 Day Free Look
Optional Roadside Assistance
All Eligible Drivers Covered

Rental Car Damage

Bonzah.com offers primary car rental damage insurance, up to $35,000, for the following:
1) Damage due to collision, theft, vandalism; you will be reimbursed the maximum benefit shown in the benefits schedule.
2) Damage due to windstorm, fire, hail, flood;
3) Damage due to any cause not in your control;

Baggage & Personal Items

In case of loss during your trip, damage or theft, your baggage and personal item (including passport or visa) will covered up to $500 ($250 per item)

Zero Deductible

In the advent that you incur damage and need to make a claim, rest assured that your deductible will not cost you a dime.

10 Day Free Look

You can cancel your plan within 10 days of purchase when you have not filed a claim or departed on your trip

Optional Roadside Assistance

The following services are available when the insured is traveling 100 miles or more from their home:
* Towing Assistance
* Battery Services
* Flat Tire Assistance
* Fuel Oil and Water Delivery Service
* Lock-out Assistance
* Collision Assistance

All Eligible Drivers Covered

Provided all drivers are 21 years or older, possess a valid driver’s license and very importantly are added to the rental agreement upon vehicle pickup, then all drivers will be covered.

What Our Customers Say About Us

Why Should You Get Car Rental Damage Insurance?

Avoid outrageous prices at-the-rental-counter
  • Over the counter rental car insurance can vary between $20 to $40 a day.
  • Bonzah.com offers better rental car damage insurance coverage at a fraction of the cost.
You may think that you are covered. Think Again!
  • Many people confuse rental re-imbursement coverage with rental car damage insurance. For example, rental re-imbursement covers the auto insurance policy holder for rental car charges, for up to 30 days, while their damaged vehicle is in the workshop being fixed.
  • Your credit card will cover the rental car? Those coverages are often secondary and may not cover everything, hence the devil is in detail.
Control your auto-insurance cost
  • If you must make a claim, your current auto insurance provider may increase your premiums as a result.
  • However, given the rental car damage insurance provided on Bonzah.com is primary coverage, it will act as your alternative to claiming on your regular auto insurance, which has the potential to lead to rate increases.
Zero deductible
  • Traditional auto insurance policies kick in after deductible is met. With RoamRight Auto Rental Insurance Plus, there is no deductible.
  • Perhaps your current policy does not have comprehensive and collision damage.
DRIVE CONFIDENTLY
  • The last thing you need to do is to worry about mishaps when you are traveling.
  • Knowing you have coverage up to $35,000 in the advent of any damage, theft or loss of your rental vehicle, we like to call it: “The Covered Feeling”
More affordable than the car rental company’s offer
  • You could save in excess of $100 on a 5 day rental.
  • You won’t have to worry about the high pressure sales tactics when you collect the rental car.
  • Just say “no thanks, I have my own insurance”.
A Leading Provider
Licensed in all 50 States
About the Underwriter
Dedicated to Hassle-Free Traveling
Excellent Coverage,
Affordable Price

Over the last five years the team behind Bonzah.com have sold car rental damage insurance in several markets including the USA, providing travelers with an affordable and convenient protection alternative to the rental giant’s rental car damage insurance rates.

Bonzah.com is a trading name of Pablow, Inc. which is licensed to solicit travel insurance in all 50 states and Washington D.C.

License # CA – OK47860 & TX – 2031567
Pablow Inc. 321 E Walnut Street, Suite 130, Des Moines, IA 50309

RoamRight Auto Rental Insurance Plus is the car rental damage insurance policy offered on Bonzah.com and is underwritten by Arch Insurance Company, which A.M. Best Company has assigned a financial strength rating of “A+” (Superior) and the largest financial category size of “XV”. For the latest financial ratings, please visit www.ambest.com. Arch Insurance Company ( NAIC # 11150) is a licensed insurance company in all 50 states and the District of Columbia, with physical offices in Jersey City New Jersey.

The CEO of Bonzah has not owned a car since 2008 and when ever he needs a car, he merely rents one. The thought of having to pay rental companies up to $40 a day for insurance, he found unreasonable and in 2010 he decided to do something about it and since the company has sold many thousands of policies to like-minded travelers while quickening the rental process with the insurance purchased prior to picking up of the rental car.

From just $7.99 you can buy collision damage coverage up to $35,000 with zero deductible.

Rental Car Insurance Explained

If you’ve ever rented a car, you’ve probably been warned by salespeople at the counter about the possible consequences of walking away without buying their company’s rental car insurance. Put on the spot, you might not feel confident about exactly what your current auto insurance covers. And that’s what rental companies are counting on — along with their commissions for selling you the coverage.

Want to be prepared next time you’re renting? We can help you understand whether you need rental car insurance and how to get it before you get to the rental counter.

Rental car insurance or your own auto insurance?

Here are the typical insurance options from rental car companies, along with how to determine if you already have coverage within your own auto insurance policy. Coverage from your own policy applies when you are using a rental car for personal, nonbusiness purposes. The rules may be different for business use of a rental car. Check with your insurer or employer for details about coverage when using a rental car for business.

Crashes and car theft

At the counter: A loss-damage waiver (LDW), also called a collision damage waiver (CDW), gets you off the hook for any damage to the rental vehicle or theft of the car. It’s technically not insurance but rather a waiver that says the rental car company won’t come after you.

Your policy: If you have collision and comprehensive coverage on your own policy, it generally will extend to a rental car. However, you will still be on the hook for your deductible.

Damage you do to others

At the counter: Supplemental liability protection will pay for damage you do to others’ vehicles or property. A typical limit is $1 million. If you have no auto insurance (for example, if you don’t own a car), you should buy this.

Your own policy: Your own liability insurance will cover you when you’re driving rental cars. If you have really minimal liability coverage on your auto policy, you could buy the supplemental protection to boost your coverage. But if that’s your situation, you’d be smarter to increase your own liability coverage anyway.

Injuries to you

At the counter: Personal accident insurance covers medical costs for you and your passengers if you’re involved in an accident. This includes ambulance, medical care and death benefits.

Your own policy: If you have health insurance, this coverage would largely be redundant. Similarly, if you are interested in death benefits, you should have a life insurance policy. Personal accident insurance also is not needed if you have personal injury protection or MedPay through your auto policy.

Your stolen stuff

At the counter: Personal effects coverage pays for your belongings if they’re stolen from the rental car, up to a set dollar amount.

Your own policy: Your homeowners or renters insurance will cover your possessions if they are stolen, even away from home. To make a theft claim, you’ll need to file a police report, and your deductible amount will apply.

The credit card safety net

Credit cards often provide coverage for rental cars, assuming you have used the card to pay for the rental and the rental is in your name. You’ll automatically have this coverage if it’s included with your credit card — no need to call or sign forms. But it is secondary coverage, meaning your own auto insurance policy will pay out first. NerdWallet assessed credit cards that offer good rental car insurance.

If you don’t have auto insurance and are going to count on credit card coverage, call your credit card issuer to confirm the details.

Buying rental car insurance on your own

There are companies that sell standalone policies for rental cars if you don’t want to buy insurance at the counter. You generally need to decline the rental company’s coverage to use these.

Car Rental Insurance Tip Sheet

By Unknown Author

Selling consumers additional insurance coverage, often unnecessarily duplicating coverage they already have, is the primary way car rental companies increase the cost of the rental.

There are four different types of insurance and insurance-like coverages the companies try to sell to consumers at the rental counters:

  • Collision Damage Waiver (CDW),
  • Supplemental Liability Protection (SLP),
  • Personal Accident Insurance (PAI), and
  • Personal Effects Coverage (PEC).

In most states, car rental companies are prohibited from refusing to rent you a car unless you purchase the additional insurance. The coverages are all optional. Combined, they can add up to $30 per day to the rental bill. Each coverage protects against a different risk, but your car, home, life, or health insurance policies, or your credit card, may provide all or part of the protection you need, particularly when combined with the minimum insurance the car rental company is required by law to provide as a part of every rental.

Collision Damage Waiver (CDW)

Also known as Loss Damage Waiver (LDW) or Physical Damage Waiver (PDW). For a fee of $9 per day for cars costing less than $30,000 or $12 per day for more expensive cars, the car rental company will waive all or part of its cost if the rental car is damaged or stolen, provided the car is not driven by an unauthorized driver, driven recklessly, or the coverage is voided for several other reasons.

While this coverage may make sense for some renters, ini most states you already have this coverage for a rental vehicle as part of your primary auto insurance, unless you declined to accept it when you purchased that policy. In addition, most premium credit cards, such as gold or platinum cards, provide this coverage, with certain limitations, as a benefit of using the credit card to rent cars. Some cards do not provide this benefit for luxury cars, SUVs and vans.

Before you pay a lot for CDW, it is worth a call to your insurance agent and credit card company to find out if you need to purchase it.

Supplemental Liability Protection (SLP)

Also known as Liability Insurance Supplement (LIS) or Supplemental Liability Insurance (SLI). For a fee of approximately $10.95 per day, the car rental company will supplement the liability insurance that the company must, by law, provide in most states. That required coverage usually consists of the same minimum levels of liability insurance which all vehicle owners must have. For many renters who have modest amounts of assets, the minimum coverage the car rental companies must provide as a part of the rental may be enough to protect them from lawsuits by victims of accidents involving the rental car. If you have your own automobile insurance policy with coverage above the minimum amounts, your policy should cover you when you operate a rental vehicle, so SLP is likely not needed.

However, SLP usually provides $1 million of liability protection, considerably more coverage than most consumers have under their own automobile insurance policies. So if there is a reason that you want more coverage for the rental than you ordinarily carry for your own car, or you do not have an automobile insurance policy, buying the SLP may make sense.

Personal Accident Insurance (PAI)

This coverage, usually costing about $3 per day, provides medical, ambulance and death benefits for the renter and passengers of the rental car in the event of an accident. The medical coverage is usually around $3,500 and the ambulance benefit $150. Typically the death benefit is $175,000 for the renter and $17,500 for the passenger. Many of these benefits duplicate coverage you may already have under your health, life or automobile insurance policies, or duplicate coverage that the car rental company must already provide under state law.

Personal Effects Coverage (PEC)

This coverage, which typically costs $2 per day, usually provides $500 per person of insurance coverage, with a $1,500 maximum, for theft of personal effects of the renter and his or her family. Again, this coverage may duplicate coverage the renter already has through a homeowner?s or tenant?s policy, although the coverage usually pays in addition to that other insurance. That means that your own policy will typically pay first, and when its policy limits have been reached, the PEC will then pay.

Additional Drivers Are Allowed

In most states, car rental companies must allow your spouse to drive the vehicle if he or she is licensed and at least eighteen years of age. Other licensed drivers can be authorized to drive the rental vehicle if expressly listed on the rental agreement. Car rental companies are permitted to levy an extra charge for each per additional driver, usually a few dollars per day.

Age Discrimination

State laws vary widely on this point. Some states allow rental companies to refuse to rent to drivers under a certain age. Others permit tehm to levy a surcharge on younger driveers. You should check when making the reservation if this is a concern.

Credit Cards Are Not Required

In some states, the rental company may require you to have a credit card to rent a car. Others, like New York, do not permit this but do allow the car rental company to put you through a screening process that can take up to several days. The company may require a cash security deposit as well. If you do not have a credit card, check with the car rental company well ahead of when you want to rent to find out what its procedures are for non-credit card rentals.


Source: New York Attorney General Eliot Spitzer

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