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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).
(SEE CAR ACCIDENT PROCEDURES.)
Rental Car: Collision Damage Waiver (CDW)
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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).
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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.
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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.
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).
