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Insurance and Protection Plans

Description: Test your knowledge on Insurance and Protection Plans offered by various Car Rental companies.
Number of Questions: 15
Created by:
Tags: car rentals insurance protection plans
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What is the purpose of Collision Damage Waiver (CDW) insurance?

  1. It covers damages to the rental car caused by collision with another vehicle.

  2. It covers damages to the rental car caused by theft or vandalism.

  3. It covers damages to the rental car caused by natural disasters.

  4. It covers damages to the rental car caused by mechanical failure.

Show answer
Correct Option: A
Explanation:

Collision Damage Waiver (CDW) insurance provides coverage for damages to the rental car caused by collision with another vehicle or object, regardless of who is at fault.

What is the purpose of Loss Damage Waiver (LDW) insurance?

  1. It covers damages to the rental car caused by collision with another vehicle.

  2. It covers damages to the rental car caused by theft or vandalism.

  3. It covers damages to the rental car caused by natural disasters.

  4. It covers damages to the rental car caused by mechanical failure.

Show answer
Correct Option: B
Explanation:

Loss Damage Waiver (LDW) insurance provides coverage for damages to the rental car caused by theft or vandalism, regardless of who is at fault.

What is the purpose of Personal Accident Insurance (PAI)?

  1. It covers medical expenses incurred by the driver and passengers in case of an accident.

  2. It covers damages to the rental car caused by collision with another vehicle.

  3. It covers damages to the rental car caused by theft or vandalism.

  4. It covers damages to the rental car caused by natural disasters.

Show answer
Correct Option: A
Explanation:

Personal Accident Insurance (PAI) provides coverage for medical expenses incurred by the driver and passengers in case of an accident, regardless of who is at fault.

What is the purpose of Supplemental Liability Insurance (SLI)?

  1. It covers damages to the rental car caused by collision with another vehicle.

  2. It covers damages to the rental car caused by theft or vandalism.

  3. It covers damages to the rental car caused by natural disasters.

  4. It provides additional liability coverage beyond the limits of the rental car company's insurance.

Show answer
Correct Option: D
Explanation:

Supplemental Liability Insurance (SLI) provides additional liability coverage beyond the limits of the rental car company's insurance, protecting the renter from financial responsibility in case of an accident.

What is the purpose of Roadside Assistance coverage?

  1. It covers the cost of towing and roadside repairs in case of a breakdown.

  2. It covers damages to the rental car caused by collision with another vehicle.

  3. It covers damages to the rental car caused by theft or vandalism.

  4. It covers damages to the rental car caused by natural disasters.

Show answer
Correct Option: A
Explanation:

Roadside Assistance coverage provides coverage for the cost of towing and roadside repairs in case of a breakdown, such as a flat tire or a dead battery.

Which of the following is not typically covered by rental car insurance?

  1. Collision damage

  2. Theft

  3. Vandalism

  4. Mechanical failure

Show answer
Correct Option: D
Explanation:

Mechanical failure is typically not covered by rental car insurance. If the rental car breaks down due to a mechanical failure, the renter is responsible for the cost of repairs.

What is the deductible on a rental car insurance policy?

  1. The amount the renter is responsible for paying before the insurance company covers the rest of the claim.

  2. The amount the renter pays for the insurance policy.

  3. The amount the insurance company pays for the claim.

  4. The amount the rental car company charges for the rental.

Show answer
Correct Option: A
Explanation:

The deductible is the amount the renter is responsible for paying before the insurance company covers the rest of the claim. The deductible amount varies depending on the insurance policy and the rental car company.

What is the difference between a rental car insurance policy and a personal auto insurance policy?

  1. Rental car insurance policies typically have lower deductibles than personal auto insurance policies.

  2. Rental car insurance policies typically cover a wider range of damages than personal auto insurance policies.

  3. Rental car insurance policies typically have higher premiums than personal auto insurance policies.

  4. Rental car insurance policies typically cover only the rental car, while personal auto insurance policies cover the renter's own vehicle.

Show answer
Correct Option: D
Explanation:

Rental car insurance policies typically cover only the rental car, while personal auto insurance policies cover the renter's own vehicle. Personal auto insurance policies may also provide coverage for rental cars, but the coverage may be limited or may require the renter to purchase additional coverage.

What should a renter do if they are involved in an accident while driving a rental car?

  1. Contact the rental car company immediately.

  2. File a claim with their personal auto insurance company.

  3. Contact the police.

  4. All of the above.

Show answer
Correct Option: D
Explanation:

If a renter is involved in an accident while driving a rental car, they should contact the rental car company immediately, file a claim with their personal auto insurance company, and contact the police. This will help ensure that the renter is properly compensated for any damages or injuries.

What is the best way to compare rental car insurance policies?

  1. Read the policy carefully and compare the coverage, deductibles, and premiums.

  2. Ask the rental car company for a quote.

  3. Compare quotes from multiple rental car companies.

  4. All of the above.

Show answer
Correct Option: D
Explanation:

The best way to compare rental car insurance policies is to read the policy carefully and compare the coverage, deductibles, and premiums. It is also a good idea to ask the rental car company for a quote and compare quotes from multiple rental car companies.

What is the purpose of a rental car protection plan?

  1. It provides additional coverage beyond the limits of the rental car company's insurance.

  2. It covers damages to the rental car caused by collision with another vehicle.

  3. It covers damages to the rental car caused by theft or vandalism.

  4. It covers damages to the rental car caused by natural disasters.

Show answer
Correct Option: A
Explanation:

A rental car protection plan provides additional coverage beyond the limits of the rental car company's insurance, protecting the renter from financial responsibility in case of an accident or other covered event.

What is the difference between a rental car protection plan and a rental car insurance policy?

  1. A rental car protection plan is typically more comprehensive than a rental car insurance policy.

  2. A rental car protection plan is typically less expensive than a rental car insurance policy.

  3. A rental car protection plan is typically offered by the rental car company, while a rental car insurance policy is typically offered by a third-party insurance company.

  4. All of the above.

Show answer
Correct Option: D
Explanation:

A rental car protection plan is typically more comprehensive than a rental car insurance policy, less expensive, and offered by the rental car company.

What are some common types of rental car protection plans?

  1. Collision Damage Waiver (CDW)

  2. Loss Damage Waiver (LDW)

  3. Personal Accident Insurance (PAI)

  4. Supplemental Liability Insurance (SLI)

  5. Roadside Assistance

Show answer
Correct Option:
Explanation:

Common types of rental car protection plans include Collision Damage Waiver (CDW), Loss Damage Waiver (LDW), Personal Accident Insurance (PAI), Supplemental Liability Insurance (SLI), and Roadside Assistance.

What should a renter consider when choosing a rental car protection plan?

  1. The type of coverage they need.

  2. The cost of the plan.

  3. The reputation of the rental car company.

  4. All of the above.

Show answer
Correct Option: D
Explanation:

When choosing a rental car protection plan, a renter should consider the type of coverage they need, the cost of the plan, and the reputation of the rental car company.

What is the best way to compare rental car protection plans?

  1. Read the plan carefully and compare the coverage, deductibles, and premiums.

  2. Ask the rental car company for a quote.

  3. Compare quotes from multiple rental car companies.

  4. All of the above.

Show answer
Correct Option: D
Explanation:

The best way to compare rental car protection plans is to read the plan carefully and compare the coverage, deductibles, and premiums. It is also a good idea to ask the rental car company for a quote and compare quotes from multiple rental car companies.

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