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This summary describes various issues of rental car insurance and your personal auto insurance coverage while using a vehicle for Reliant ministry in the U.S.

RECOMMENDATION: When renting a car for GCM ministry business, GCM strongly recommends that GCM Staff obtain both CDW and SLI coverage from the rental car company (or at a minimum - CDW insurance coverage).

Rental Car: Collision Damage Waiver (CDW)

This is protection on the rental car itself for any physical damage done to your rental car as a result of an accident, cracked windshield, getting hit by another car while parked, etc.

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• • The Staff Member’s personal auto insurance and its limits would be Primary.
  • If you do not want this to happen - then accept the rental car company’s CDW insurance.
    
    

Rental Car: Supplemental Liability Insurance (SLI)

This is protection for the driver of the rental car. It covers any damage done to another vehicle as a result of getting into an accident in which the driver of the rental car is liable. The coverage pays for any damage done to either the other party’s vehicle or property.

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• • The Staff Member’s personal auto insurance and its limits would be Primary.
  • GCM’s corporate insurance liability limits would be Secondary for any damage done to the other vehicle or to property. (Secondary insurance “kicks in” after the Primary insurance limits have first been exhausted).
  • If you do not want your personal auto insurance to be Primary, then accept the rental car company’s Supplemental Liability Insurance (SLI).
  
  

Rental Car: Accepting both the CDW and SLI coverage

If GCM Staff Member accepts both the CDW and SLI rental car insurance coverage offered by the car rental company (e.g. Hertz), then:

• The rental car company coverage becomes Primary for both damage to the rental car and for any damage done to the other vehicle or property.
• Staff Member’s personal auto insurance and its limits would be Secondary.
• GCM’s corporate rental car insurance and its limits would be Third for SLI.

RECOMMENDATION: When renting a car for GCM ministry business, GCM strongly recommends that GCM Staff obtain both CDW and SLI coverage from the rental car company (or at a minimum - CDW insurance coverage).

Rental Car: Accepting either the CDW or SLI coverage, but not both:

It is possible to only accept only one of the coverages offered by the rental car company. In this case, the specific rental car coverage accepted would be Primary. The specific rental car coverage declined would follow the scenario listed above in sections Collision Damage Waiver or Supplemental Liability Insurance.