Best Insurance Packages

You can select from the different insurance options when you pick up the car at the car rental agency counter.

Collision Damage Waiver (CDW)

Collision Damage Waiver (CDW) is an option that is charged daily on top of the rental rate and it eliminates responsibility for damage to or loss of a rental vehicle as long as terms of the rental agreement have not been violated. Collision Damage Waiver is NOT an insurance.

There are several types of CDW options:

Waiver Saver 500 covers up to $500 damage or loss.

Waiver Saver 3000 covers up to $3000 damage or loss. 

MaxiWaiver Saver covers any damage to or loss of the rental vehicle.

If you pay your CDW with credit card, Alamo will authorize a deposit at the time of rental. Protection applies as long as terms of the rental agreement have not been violated.

Please refer to the Rental Agreement, rental jacket, and any underlying policies for the full terms and conditions.

  Collision Damage Waiver Full ( US$ 26.99 per day*)

It's really simple! If you decline CDW, you agree to pay the rental car company for all damage to or loss of the rental car up to its total value, regardless of who’s responsibility. You also agree to pay any rental car company administrative and loss of use charges due to the rental car company's inability to re-rent the car until it has been repaired or replaced. The rental car company can also elect not to repair the car, in which case you have to pay the retail value of the car before it has been damaged, less any salvage amount they collect.

If you accept CDW, the Rental Car Company agrees to waive all of your responsibility for such loss or damage to the car. CDW is void only if any "Prohibited Uses and Violations" occur, as outlined in our rental agreement terms and conditions; if you leave the keys in the car and it has been stolen or if you do not report an accident immediately, or damage or theft to the Rental Car Company.

Extended Protection (EP)

Whether already included in the reserved rate or purchased at the counter, Extended Protection (EP) provides up to an aggregate single limit of $1,000,000 third-party liability.

Please refer to the Rental Agreement, rental jacket, and any underlying policies for the full terms and conditions.

  Extended Protection (US $14.99 per day*)

It's not fun to think about, but it's important. When you drive a car you're assuming some level of personal financial risk. If you accept EP you won't have to worry because your personal assets are protected up to $1,000,000 in case others make claims against you because you cause an accident or injuries while driving the rental car. EP coverage is "primary", meaning it pays first before your own personal resources may be touched.

If you decline EP, be aware that the rental car agency is not required to provide liability coverage with rentals in all states. In states where we do provide liability coverage, we only meet state minimum requirements that are usually less than $50,000. Also, in many cases, these benefits are "secondary", meaning they may be paid only after your own resources are exhausted.

EP also provides you and your family members in the rental car uninsured motorist benefits up to an aggregate single limit of $100,000 in case you or a family member sustains bodily injury or death caused by a negligent uninsured/underinsured motorist. In many states where a large number of drivers have no insurance of their own this type of coverage can prove to be very valuable.

Personal accident insurance (PAI) (US $6.50 per day*)

Personal Accident Insurance / Personal Effects Coverage (PAI/PEC): U.S.

  • Where available: If selected and paid for, PAI provides Renter and Renter's passengers with Accidental Death, Accident Medical Expenses and Ambulance Expense benefits. PEC insures the personal effects of Renter or any member of Renter's immediate family who permanently resides in Renter's household and who is traveling with Renter, against risks of loss or damage while in transit or in a building, (other than your personal residence) or locked in the Vehicle. PAI & PEC are available for an additional charge as stipulated on page 1 of the Rental Agreement. "Renter" is the person who signs the Rental Agreement as Renter.
  • PAI Benefits Renter Passenger
    Accidental Death, not to exceed $175,000
    $250,000 (NY and FL only)
    $100,000 (MN only) $17,500
    $125,000 (NY and FL only)
    $10,000 (MN only)
    Accident Medical Expenses,
    not to exceed
    $2,500 $3,500 (MN only)
    $2,500 $3,500 (MN only)
    Accident Ambulance Expense,
    not to exceed
    $250 $150 (MN only)
    $250 $150 (MN only)
    Accident Aggregate, not to exceed $225,000 per accident. (For rentals commencing in NY and FL the aggregate is $500,000 and for rentals commencing in MN the aggregate is $130,000.)
  • The above PAI benefits for Renter apply to accidents during the Rental Period whether or not Renter is in Vehicle. Passengers are covered only for accidents occurring while they occupy Vehicle. Anyone other than Renter occupying or operating Vehicle shall be considered a "Passenger" for the purposes of PAI benefits.