Alyssa Lane
If you're planning to rent a car from Enterprise, you might be wondering about the insurance requirements. Well, the good news is that you don't need your own personal car insurance to rent a vehicle from Enterprise. They offer various car rental insurance plans and protection products to safeguard you in case of accidents, collisions, theft, or other incidents. These include a damage waiver, supplemental liability protection, and personal effects coverage, which can be added for an additional daily charge. So, whether you have existing insurance or not, Enterprise has options to ensure you're covered during your rental period.
Characteristics and Values
| Characteristics | Values |
|---|---|
| Personal insurance requirement | Not required to rent a car from Enterprise |
| Rental insurance requirement | Not required to rent a car from Enterprise |
| Rental insurance availability | Available for purchase from Enterprise |
| Protection products | Damage Waiver (DW), Personal Effects Coverage (PEC), Supplemental Liability Protection (SLP), roadside assistance |
| PEC cost | Between $5.99 and $15.67 per day |
| SLP cost | Between $8.00 and $17.00 per day |
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What You'll Learn
- Personal insurance isn't required to rent a car from Enterprise
- Enterprise offers rental car insurance and additional protection products
- Supplemental Liability Protection (SLP) provides up to $300,000 for third-party liability claims
- Damage Waiver insurance and roadside assistance are also available
- Check with your insurance representative to see if you have coverage for damage or theft
Personal insurance isn't required to rent a car from Enterprise
Personal insurance is not required to rent a car from Enterprise. Enterprise offers several different types of car rental insurance plans and protection products to help protect you in the event of an accident. These include:
- Damage Waiver (DW) insurance: This insurance option allows you to waive your responsibility for all or part of the cost of damage to, loss, or theft of the vehicle. DW does not apply to damage occurring in Mexico. The cost of DW varies by location and vehicle type.
- Personal Effects Coverage (PEC): PEC is offered at the time of rental for an additional daily charge. It covers the personal effects of the renter, additional drivers, or anyone travelling with the renter against risks of loss or damage. The cost of PEC varies based on location and will average between $5.99 and $15.67 per day.
- Supplemental Liability Protection (SLP): SLP is offered at the time of rental for an additional daily charge. It provides the renter and authorized drivers with up to $300,000 as a combined single limit for third-party liability claims. The cost of SLP varies based on location and will average between $8.00 and $17.00 per day.
- Roadside Assistance Protection (RAP): RAP allows Enterprise customers to waive financial responsibility for chargeable roadside incidents such as lost keys, lockouts, and fuel outages. RAP can be added to online bookings or to a rental ticket at any time, but if added mid-rental, the renter must return the vehicle to a designated rental location for inspection before adding RAP.
Please note that Enterprise is not qualified to evaluate the adequacy of your existing personal insurance coverage. It is recommended that you examine your personal insurance policies or other sources of coverage to determine if you have adequate protection before deciding whether to purchase additional rental car insurance or protection products.
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Enterprise offers rental car insurance and additional protection products
You do not need your own personal car insurance to rent a car from Enterprise. They offer several different types of car rental insurance plans and protection products to help protect you in the event of an accident.
Enterprise offers its customers damage waiver insurance, personal effects coverage, supplemental liability protection, and roadside assistance protection. The damage waiver (DW) is not insurance, and its purchase is optional. If you purchase DW, Enterprise agrees to waive your responsibility for all or part of the cost of damage to, loss or theft of, the vehicle. DW does not apply to damage occurring in Mexico. Personal Effects Coverage (PEC) insures the personal effects of the renter, additional drivers, or anyone traveling with the renter against risks of loss or damage. The purchase of PEC is optional and not required to rent a car. Supplemental Liability Protection (SLP) provides the renter and authorized drivers with up to $300,000 combined single limit for third-party liability claims. SLP is available for an additional charge, averaging between $8.00 and $17.00 per day. Finally, Roadside Assistance Protection (RAP) allows customers to waive financial responsibility for chargeable roadside incidents such as lost keys, lockouts, and fuel outages. RAP can be added to online bookings or rental tickets at any time.
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Supplemental Liability Protection (SLP) provides up to $300,000 for third-party liability claims
When renting a car from Enterprise, you are not required to have your own insurance. Enterprise offers several different types of car rental insurance plans and protection products to help protect you in the event of an accident. One of these protection products is Supplemental Liability Protection (SLP).
SLP is offered at the time of rental for an additional daily charge, which varies depending on location, averaging between $8.00 and $17.00 per day. If you choose to accept SLP, Enterprise will provide third-party liability protection up to the applicable minimum financial responsibility limit, and an insurance company will provide excess third-party liability insurance coverage from that limit up to $300,000. This means that, in total, SLP provides renters and authorized drivers with up to $300,000 as a combined single limit for third-party liability claims.
SLP is subject to the terms, conditions, provisions, limitations, and exclusions in the supplemental liability insurance excess policy. It is important to note that the purchase of SLP is optional and not required to rent a car from Enterprise. The coverage provided by SLP may duplicate the renter's existing coverage. Therefore, renters should examine their personal insurance policies or other sources of coverage before deciding to purchase SLP.
In summary, Supplemental Liability Protection (SLP) from Enterprise provides up to $300,000 for third-party liability claims, with the potential for excess coverage from an insurance company if the claim exceeds the applicable minimum financial responsibility limit.
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Damage Waiver insurance and roadside assistance are also available
When renting a car from Enterprise, you are not required to have your own insurance. Enterprise offers several different types of car rental insurance plans and protection products, including Damage Waiver insurance and roadside assistance.
The Damage Waiver (DW) is an optional protection product that can be purchased for an additional fee. If you purchase DW, Enterprise will waive your responsibility for all or part of the cost of damage to, loss or theft of, the vehicle. DW does not apply to damage occurring in Mexico. When deciding whether to purchase DW, you may wish to check with your insurance representative or credit card company to see if you already have coverage for damage or theft and to determine your deductible or out-of-pocket risk. The cost of Damage Waiver varies by location and vehicle type.
Roadside Assistance Protection (RAP) is another protection product offered by Enterprise. RAP allows customers to waive financial responsibility for chargeable roadside incidents such as lost keys, lockouts, and fuel outages. Personal Accident Insurance (PAI) is also offered at the time of rental for an additional daily charge. If accepted, the PAI policy provides the renter and passengers with accidental death, accident medical expenses, and ambulance expense benefits. These benefits are payable in addition to any other insurance coverage the renter or passengers may have.
Supplemental Liability Protection (SLP) is another optional protection product offered by Enterprise for an additional daily charge. If selected and paid for in Puerto Rico, SLP provides the renter with minimum financial responsibility limits and excess insurance under a policy issued with Zurich American Insurance Company. These policies together provide a combined single limit per accident of $300,000. SLP is primary to any other coverage and will respond to third-party accident claims resulting from bodily injury, death, and property damage that arises from the use of the vehicle as permitted in the agreement. SLP does not provide coverage for any loss arising from the use or operation of the vehicle in Mexico. The cost of SLP varies based on location, averaging between $8.00 and $17.00 per day.
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Check with your insurance representative to see if you have coverage for damage or theft
When renting a car from Enterprise, you are not required to have your own personal car insurance. They offer several different types of car rental insurance plans and protection products to safeguard you in the event of an accident, theft, or damage to the vehicle.
However, before purchasing additional insurance from Enterprise, it is advisable to check with your insurance representative or credit card company to determine whether you already have coverage for damage or theft. This is because the purchase of Personal Effects Coverage (PEC) is optional and not required to rent a car from Enterprise. PEC insures the personal effects of the renter, additional drivers, or anyone traveling with the renter against risks of loss or damage. The cost of PEC varies depending on the location, ranging from $5.99 to $15.67 per day on average.
It is important to note that Enterprise is not qualified to evaluate the adequacy of your existing coverage. Therefore, you should carefully examine your personal insurance policies or other sources of coverage to determine if there is any overlap with the coverage provided by PEC. By doing so, you can make an informed decision about whether to rely on your existing insurance coverage or purchase additional protection products from Enterprise.
Additionally, Enterprise offers other protection products such as Damage Waiver (DW), Supplemental Liability Protection (SLP), and Roadside Assistance Protection (RAP). DW, if purchased, waives your financial responsibility for damage to or theft of the rental vehicle, subject to certain exclusions. SLP provides additional liability coverage of up to $300,000 for third-party claims in the event of an accident causing damage or injury to other people or property. RAP assists with incidents such as lockouts, lost keys, or dead batteries, and can reduce your financial obligation for tyre and glass repair/replacement costs, new key costs, recovery fees, and call-out fees.
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Frequently asked questions
No, you do not need your own insurance to rent a car from Enterprise.
Enterprise offers a range of protection products that you can purchase along with your rental, including Damage Waiver, Personal Accident Insurance, Personal Effects Coverage, and Supplemental Liability Protection.
If you purchase DW, Enterprise will waive or reduce your responsibility for any damage to, loss, or theft of the rental vehicle, subject to the terms and conditions of the rental agreement. DW is not insurance, and its protection may duplicate your existing coverage.
PEC insures the personal effects of the renter, additional drivers, and any passengers against risks of loss or damage.
If you select and pay for SLP, it provides you with up to $300,000 in coverage for third-party liability claims resulting from bodily injury, death, or property damage arising from the use of the rental vehicle.
