Guam & Northern Mariana Islands
TMPI-CRLD-09A 2 Tier 1
Car Rental Loss and Damage Insurance reimburses a
Cardmember for payments for damage to or theft of a
Rental Auto that the Cardmember is required to make,
up to the lesser of: 1) the actual cost to repair the
Rental Auto, 2) the wholesale Book value minus
salvage and depreciation costs, or 3) the purchase
invoice price of the Rental Auto minus salvage and
depreciation costs. The coverage also reimburses the
Cardmember for reasonable charges (those charges
incurred at the closest facility that are usual and
customary in the vicinity in which the loss or
disablement took place) imposed by the Rental
Company, such as towing or storage and Loss of Use.
"Loss of Use means the unavailability of a Rental Auto
and consequent loss of revenue by the Rental Company
due to damage or theft. Unless otherwise required by law,
the Rental Company must submit a fleet utilization log
indicating that during such time:
1. no other Rental Auto was available; and
2. there was a demand for a Rental Auto.
Car Rental Loss and Damage Insurance covers no other
type of loss. For example, in the event of a collision
involving the Cardmember's Rental Auto, damage to any
other driver's car or the injury of anyone or anything is not
covered.
Note: This policy does not provide liability or any other
coverage such as Uninsured Motorists, benefits under
any Worker's Compensation law, Disability benefits law
or other mandated Government Plans.
What Excess Coverage Means
Car Rental Loss and Damage Insurance is an excess
insurance plan. This means that this excess coverage
will reimburse the Cardmember only for
losses/expenses not covered by plans, such as a
partial collision damage waiver, any personal auto
insurance, employer's auto insurance or
reimbursement plan or other sources of insurance.
When these other plans apply, a Cardmember must
first seek payment or reimbursement and receive a
determination based on the stated terms of such other
Plans, that any such Plans do not provide coverage
before this excess coverage will reimburse the
Cardmember.
Vehicles Not Covered
Car Rental Loss and Damage Insurance does not
cover rentals of:
1. expensive cars, which means cars with an original
manufacturer's suggested retail price of $50,000 or
more when new;
2. exotic cars regardless of year or value, including but
not limited to Chevrolet Corvette, Toyota Supra,
Mazda RX-7, Dodge Viper and Stealth, Plymouth
Prowler, Mitsubishi 3000 GT, Nissan 300 ZX, Jaguar
XJS, Acura NSX, Mercedes SL, SLK, S Coupe and
E320 Coupe and Convertible, BMW M3, Z3 and 8
Series, Cadillac Allante and all Porsche, Ferrari,
Lamborghini, Maserati, Aston Martin, Lotus, Bugatti,
Vector, Shelby Cobra, Bentley, Rolls Royce;
3. trucks, pick-ups, cargo vans, custom vans;
4. full-sized vans, including but not limited to, Ford
Econoline or Club Wagon, Chevy Van or Sportvan,
GMC Vandura and Rally, Dodge Ram Vans and Ram
Wagon;
5. vehicles which have been customized or modified
from the manufacturer's factory specifications except
for driver's assistance equipment for the physically
challenged;
6. vehicles used for hire or commercial purposes;
7. mini-vans used for commercial hire;
Note: Passenger Mini-Vans (not Cargo Mini- Vans)
with factory specified seating capacity of 8
passengers or less, including but not limited to,
Dodge Caravan, Plymouth Voyager, Ford Windstar
and Nissan Quest, are covered when rented for
personal or business use only.
8. antique cars, which means cars that are 20 years
old or have not been manufactured for 10 or more
years;
9. limousines;
10. full sized sport utility vehicles, including but not
limited to, Chevrolet/GMC Suburban, Tahoe and
Yukon, Ford Expedition, Lincoln Navigator, Toyota
Land Cruiser, Lexus LX450, Range Rover or full-
sized Ford Bronco;
11. sport/utility vehicles when driven "off-road"; and
Note: Compact sport/utility vehicles, including but
not limited to Ford Explorer, Jeep Grand
Cherokee, Nissan Pathfinder, Toyota Four
Runner, Chevrolet Blazer and lsuzu Trooper and
Rodeo are covered when driven on paved roads.
12. off-road vehicles, motorcycles, mopeds,
recreational vehicles, golf or motorized carts,
campers, trailers and any other vehicle which is not
a Rental Auto.
Losses Not Covered
Car Rental Loss and Damage Insurance does not
cover losses caused by or contributed to by:
1. operation of the Rental Auto in violation of the
terms and conditions of the Rental Company
agreement (including but not limited to losses
occurring when: a person not permitted to operate
the vehicle pursuant to terms of the rental
agreement was in possession or control of the
vehicle; or, driving the vehicle outside of the
authorized rental territory);
2. leased or mini-leased vehicles;
3. costs attributed to the Commercial Car Rental
Company's normal course of doing business;