Renter Liability Protection

PLEASE BE ADVISED THAT ACCEPTING RENTER LIABILITY PROTECTION (“RLP”) VIA THE SKURT APP DOES NOT BIND COVERAGE NOR DOES IT CREATE ANY OBLIGATIONS OR DUTIES ON BEHALF OF SKURT, INC. ACCEPTING THE RLP PRODUCT ON THE SKURT APP IS DONE FOR THE SOLE PURPOSE OF NOTIFYING THE RENTAL VEHICLE PROVIDER THAT YOU WISH TO PURCHASE THE RLP PRODUCT FOR YOUR RENTAL VEHICLE FROM THE RENTAL VEHICLE PROVIDER.

THE FOLLOWING IS NOT INTENDED TO PROVIDE COVERAGE INFORMATION REGARDING YOUR RLP/SLI PRODUCT AND IS ONLY A BASIC SUMMARY OF THE RLP PRODUCT.  FOR COVERAGE DETAILS, PLEASE REFER TO YOUR VEHICLE RENTAL AGREEMENT. IF YOU WISH TO ADD OR REMOVE COVERAGE AT ANY TIME UP TO DELIVERY OF YOUR RENTAL VEHICLE, PLEASE CALL SKURT CUSTOMER SUPPORT.

SUMMARY OF RLP PRODUCT:

THE PURCHASE OF THE RLP PRODUCT IS OPTIONAL AND NOT REQUIRED IN ORDER TO RENT A VEHICLE. THIS IS A SUMMARY ONLY AND IS SUBJECT TO ALL PROVISIONS, LIMITATIONS, EXCEPTIONS AND EXCLUSIONS OF THE RLP PRODUCT. FOR COMPLETE COVERAGE DETAILS PLEASE REFER TO YOUR VEHICLE RENTAL AGREEMENT. RLP PRODUCT MAY PROVIDE A DUPLICATION OF COVERAGE ALREADY FURNISHED UNDER A PERSONAL INSURANCE POLICY, OR SOME OTHER SOURCE. OWNER’S EMPLOYEES, AGENTS OR ENDORSEES ARE NOT QUALIFIED TO EVALUATE THE ADEQUACY OF RENTER’S EXISTING COVERAGE.

For Rentals Originating in California:

THE RLP PRODUCT IS PROVIDED UNDER INDIVIDUAL POLICIES ISSUED TO YOU, OR ISSUED TO YOU UNDER A GROUP OR MASTER POLICY ISSUED TO THE PROVIDER BY AN INSURER AUTHORIZED TO TRANSACT THE APPLICABLE INSURANCE BUSINESS IN THE STATE OF CALIFORNIA. THE FOLLOWING IS A SUMMARY ONLY AND IS SUBJECT TO ALL PROVISIONS, LIMITATIONS, EXCEPTIONS AND EXCLUSIONS OF THE SLI AND RLP POLICIES.

THE RLP PRODUCT PROVIDES YOU WITH MINIMUM FINANCIAL RESPONSIBILITY LIMITS AS OUTLINED IN THE APPLICABLE MOTOR VEHICLE FINANCIAL RESPONSIBILITY LAWS OF THE STATE OF CALIFORNIA.

Renter's Liability Protection ("RLP") Coverage

The coverage provided under this policy shall be extended to all individuals who rent an automobile from the insured rent a car company and who elect to accept Renter’s Liability Protection coverage on the face of the rental contract identified above, during the term of the rental as stated on the rental contract, which term may be extended, but not to exceed thirty days. The limits of liability will be afforded separately to each covered rental contract. 

LIMITS OF LIABILITY: This policy provides coverage for third party automobile liability claims for the state
required Financial Responsibility Limits. Uninsured/Underinsured Motorist coverage is provided up to the minimum limits required to be provided by the state, if any.

Conditions

Any terms, conditions and exclusions that apply to coverage as described in the Rental Contract shall also apply to coverage, if any, as provided by the policy, provided the Rental Contract has been supplied or approved by the insurance company. Wherever there is a conflict between an insurer-approved Rental Contract and this insurance policy, this insurance policy shall apply.

1. Coverages hereunder are voided, do not provide protection and have no force and effect under the following conditions:
A. The Renter’s failure to pay for charges due under the Rental Contract in accordance with the terms of the Rental Contract;
B. Failure to accept Renter’s Liability Protection on the face of the Rental Contract at the inception of the
Rental period. Such acceptance shall be in the form of an initial by the Renter on the face of the Rental
Contract, in a box indicating acceptance of Renter’s Liability Protection; failure to decline coverage is not
evidence of coverage;
C. Use or operation of the vehicle in violation of the terms of the Rental Contract, including, without
limitation, participation in any speed contest, driving under the influence of drugs or alcohol, driving the
vehicle beyond the geographic limitations stated in the Rental Contract;
D. Where the driver of the automobile at the time of loss is not a Renter or additional driver specifically
authorized by the Master Policyholder in the Rental Contract.
E. Obtaining the vehicle by fraud or misrepresentation;

2) Coverages (other than Uninsured Motorist coverage where required by law) are not provided to the Renter, or a member of Renter’s family related by blood, marriage, adoption, or person who reside with Renter in the same household. Coverages (other than Uninsured Motorist coverage where required by law) are not provided to passengers in the rental vehicle.
3) Coverage does not apply in Mexico.
4) Coverage is not provided for uninsured motorist property damage, underinsured motorist property damage, first party benefits, no-fault or other optional liability protection.

For any questions, complaints, or problems associated with this insurance please contact the administrator listed on your rental agreement or support@skurt.com.

 

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