Mitsubishi Montero Sports 2024

### 1. **Coverage Scope** - **Damages Covered**: Comprehensive insurance typically covers damage to the rental car from events like theft, vandalism, fire, natural disasters (e.g., floods, storms), and damage from falling objects or animals. - **Excluded Damages**: It usually does not cover damage from collisions (this is often covered under a Collision Damage Waiver), wear and tear, mechanical breakdowns, or intentional damage caused by the renter. ### 2. **Authorized Drivers** - **Driver Restrictions**: Only drivers listed on the rental agreement are covered under the insurance. If someone not authorized in the agreement drives the car, any damage they cause may not be covered. - **Age Requirements**: Some insurance policies have age restrictions, and younger or older drivers might face additional fees or exclusions. ### 3. **Use of the Vehicle** - **Permitted Use**: The car must be used in accordance with the rental agreement. Activities like off-road driving, racing, or using the vehicle for commercial purposes (like ridesharing) may void the insurance. - **Legal Use**: The vehicle must be used legally, meaning that any illegal activities, including driving under the influence, can invalidate the insurance coverage. ### 4. **Geographical Limits** - **Location Restrictions**: Insurance coverage may be limited to certain geographical areas (e.g., within the country or region of rental). Driving the car outside these areas without informing the rental company could void the coverage. - **Cross-Border Travel**: If you plan to drive across borders, ensure that the comprehensive insurance covers you in those countries. You may need to purchase additional coverage. ### 5. **Deductibles** - **Payment Responsibility**: The deductible is the amount you must pay out of pocket before the insurance covers the remaining cost. This amount varies and is specified in the rental agreement. - **Multiple Claims**: If there are multiple incidents, the deductible might apply separately to each, meaning you could end up paying the deductible more than once during the rental period. ### 6. **Reporting and Documentation** - **Timely Reporting**: Any damage, theft, or loss must be reported to both the rental company and, in some cases, local authorities immediately. Failure to report incidents promptly can result in a denial of coverage. - **Documentation**: You must provide sufficient documentation, including photos of the damage, police reports (if applicable), and any other necessary paperwork to process the claim. ### 7. **Excluded Items** - **Personal Belongings**: Comprehensive insurance generally does not cover personal belongings stolen from or damaged within the rental car. Consider separate insurance for personal items. - **Accessories and Extras**: Damage to accessories like GPS units, child seats, or roof racks may not be covered unless specifically included in the policy. ### 8. **Condition of the Vehicle** - **Pre-Existing Damage**: You should thoroughly inspect the vehicle for any existing damage before taking possession and ensure it's documented in the rental agreement. Damage not noted at the start may be attributed to you. - **Vehicle Return**: The vehicle must be returned in the same condition as when it was rented. Any new damage could result in a claim against you. ### 9. **Rental Duration and Extensions** - **Coverage Period**: The insurance is valid only for the agreed rental period. If you extend the rental, ensure the insurance is extended as well. - **Late Returns**: Returning the car late without informing the rental company can affect your coverage, potentially leaving you without insurance for the extra period. ### 10. **Insurance Limitations** - **Maximum Payout**: Some policies have a maximum payout limit for any claims. If the damage exceeds this limit, you may be responsible for the difference. - **Excess Coverage**: If you have existing auto insurance or use a credit card with rental car insurance benefits, check whether these policies cover the rental and whether they are primary or secondary to the rental company’s insurance. ### 11. **Rental Company Requirements** - **Insurance Purchase**: Some rental companies require you to purchase their insurance or prove you have adequate coverage elsewhere. - **Additional Coverage**: Rental companies often offer additional insurance products (e.g., Collision Damage Waiver, Liability Insurance Supplement) that may complement the comprehensive insurance. ### 12. **Liability for Other Damages** - **Third-Party Liability**: Comprehensive insurance typically does not cover third-party liability (injuries or damage to other people’s property). You may need to purchase additional liability insurance or check if your existing policy covers this. ### 13. **Financial Responsibilities** - **Security Deposit**: Rental companies often require a security deposit that may be used to cover deductibles or damages not covered by insurance. - **Upfront Payment**: You may be required to pay for damages upfront and seek reimbursement from the insurance provider later. ### 14. **Cancellation or Changes** - **Policy Adjustments**: Changes to the rental agreement (like adding drivers or extending the rental period) may affect your insurance. Ensure all adjustments are documented and reflected in the insurance coverage. - **Cancellation of Coverage**: If the rental agreement is canceled, your insurance may also be canceled. Make sure to clarify the conditions with the rental company.