What Could a Collision Damage Waiver Mean?

Black Bear Climbs Car - No Time to Focus

When the clerk on the rental counter says, you need collision damage insurance: Here sign this collision damage waiver. What are you letting yourself in for? At some time or another, you are going to collide with a pothole, another car, a tree or whatever else. However, U.S. News and World Report advises this type of insurance has its limitations.


The Strictly Limited Value of Traditional Collision Damage Cover


Collision damage in the insurance industry means cover for the insured vehicle for damage caused by it striking another object. That object might be another vehicle, a fence, a pole, or a tree. Even if you roll or flip your car, you still get compensation up the maximum insured amount. Because your car collides with a surface when it comes crashing down.

However, normal insurance practice does not cover damage to your vehicle if you collide with an animal or a person. To get that protection, you need to dip into your comprehensive auto insurance coverage, or have Bonzah protection loaded before the event. Now Bonzah offers you improved collision damage cover up to $35,000 for just $7.99 a day with no deductibles.

Do you know what the deductible is on a rental collision waiver, or on your comprehensive auto insurance policy? Have you any idea what this might do to your premiums if you claimed? Perhaps you should find out before you accept the keys for your next auto rental.

To complicate matters further, high street collision damage insurance only pays out if your car is the cause of the accident. If a tree decides to fall on you, or a black bear climbs your rental car you pay the damage yourself. The same goes if the damage follows car theft, a tornado strikes, or you get caught up in a natural disaster.


How Disruptive Bonzah Claws Back Your Rights


If you hire a rental  car  while  on  your  trip,  and  while  in  your  possession  the  car  is: 

# Damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control; Or stolen and not recovered

# We will reimburse you, up to the maximum benefit amount shown in the schedule of benefits for the lesser of:

* The cost of repairs and rental charges imposed by the rental company while the car is being repaired;

* The Actual Cash Value of the Rental Car;

* The Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to you, provided you are a licensed driver and are listed on the rental agreement. And had the foresight to accept Bonzah Rental Car Insurance before you received the keys to the rental car.

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Black Bear Climbs Car - No Time to Focus: Gili Chupak BY CC 2.0