Budget Rental Car RDU: Understanding Extended Protection Coverage

When renting a car from Budget Rental Car RDU, it's essential to understand the various insurance options available. One such option is Extended Protection (EP), which provides additional coverage for bodily injury or property damage. In this article, we'll break down what EP covers and how it can benefit you.

Exclusions from EP Coverage

While EP provides comprehensive coverage, there are certain exclusions to be aware of. These include:

* Bodily injury or death to the renter, any additional authorized driver (AAD), or their blood relatives or family members who reside in the same household.

* Property damage to the rental vehicle.

* Fines, penalties, exemplary or punitive damages.

* Bodily injury, death, or property damage expected or intended from the standpoint of the insured.

When EP Coverage Applies

EP coverage is only effective while another AAD or renter is driving the vehicle within the United States and Canada. Unfortunately, this coverage does not apply in Mexico. Additionally, no claim for Uninsured/Underinsured Motorist (UM/UIM) may be made due to the negligence of the driver of the vehicle.

What EP Covers

EP provides UM/UIM benefits only when the renter or any AAD is driving the vehicle. This coverage includes:

* Bodily injury and property damage, up to the minimum financial responsibility limits applicable to the vehicle (the Primary Protection).

* Additional coverage through an excess liability policy, with limits for the difference between the statutory minimum underlying limits and $100,000 per accident.

* In certain states, UM/UIM limits may be higher, such as $1,000,000 combined single limit.

Additional Third-Party Liability Protection

EP also provides additional third-party liability protection through an excess liability policy. This coverage has a combined single limit of $1 million per accident for bodily injury and/or property damage to others arising out of the use or operation of the Owner rental vehicle by the renter or AAD.

Retail Rentals with Extended Protection

For retail rentals only secured with Extended Protection within the cost of the rental (excluding any liability protection or insurance coverage provided under a commercial contract), the following applies:

* The owner provides the renter or AAD with third-party liability protection in an amount equal to the minimum financial responsibility limits applicable to the vehicle (the Primary Protection).

In conclusion, understanding Extended Protection coverage is crucial when renting a car from Budget Rental Car RDU. By knowing what EP covers and what exclusions apply, you can make informed decisions about your insurance needs. Remember to review your rental agreement carefully to ensure you have the right level of coverage for your trip.

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