sunshine rv - usa motorhome rental companies

Sunshine RV Insurance

VIP and Insurance Charges
Vehicle Incident Protection (VIP) with $1000 deductible per incident - Included
Supplemental Liability Insurance (SLI) - $10 per day
Mexico Auto Liability Insurance (MALI) - $22 per day

LIABILITY COVERAGES

- All coverage and waivers are subject to the expressed terms and conditions of the rental contract signed by the client on pick up.
- In the event of an accident, renter and / or driver must disclose to the supplier any insurance coverage they may have.
- All insurance and/or coverage is void if renter operates the rental vehicle in violation of any federal or applicable state, province, local laws, rules, regulations or ordinances.
- This outline is not a complete description of the various coverage plans. The supplier's rental agreement contains the complete legal provisions of the plans.
- Insurance and coverage plans are subject to change without notice.

A. Public Liability
The supplier maintains insurance coverage for liability claims, property damage and / or personal injuries resulting from the operation of its vehicle. Our coverage provides third party legal limits to protect the renter and authorized drivers. Liability coverage is limited to the minimum financial limits determined by the US state or Canadian province in which the incident occurred.  Claims in excess of the state or province limits may arise. These claims are the responsibility of the renter. The supplier assumes no responsibility for such liability claims unless the client has purchased the Supplemental Liability Insurance

B. Vehicle Incident Protection (VIP)

Jurisdiction:  USA and Canada
Cost: Included in nightly rate

Coverage
The supplier offers VIP coverage which is separate protection that reduces the renter’s financial responsibility for certain physical damage to the rental vehicle to the applicable deductible of $1000. VIP is a contractual agreement between the supplier and the renter, wherein the supplier agrees not to collect more than the applicable deductible of $1000 per occurrence from the renter for damages to the rental vehicle, coverage is pursuant to the T&C of the then applicable rental contract.

C. Supplemental Liability Insurance (SLI)

Jurisdiction:  USA and Canada
Cost:  $10 per night; No maximum amount.

Coverage
- Supplemental Liability Insurance provides excess auto liability insurance that protects the renter for the difference between the underlying insurance and up to $1,000,000 against claims by a third party for bodily injury and / or property damage sustained as a result of an accident while operating the supplier's rental vehicle.     
- If the renter resides outside the United States and is covered by a foreign Liability Insurance policy, the foreign Liability Insurance coverage will be excess / secondary over the SLI purchased pursuant to the rental contract. 
 
Deductible:  There is no deductible with the Supplemental Liability Insurance.

Exclusions: Include but are not limited to the following:
- Use of a rental vehicle in violation of the terms and conditions of the rental contract.
- Motor home or vehicle damage caused while driving under the influence of alcohol and / or narcotics.
- Accidents arising out of the use of a rental vehicle by an unauthorized driver.
- Renter’s liability for damage to the rental vehicle.

D. Mexico Auto Liability Insurance (MALI) 

The supplier's Mexico Auto Liability Insurance is required protection which the renter must obtain from the supplier when renting one of its vehicles for travel in Mexico. Being added to the supplier's Mexico Auto Liability Insurance policy provides excellent coverage and eliminates the hassles of trying to obtain insurance at the border.

- A written permit from the supplier is required for border crossing.
- The supplier's Mexico Auto Liability Insurance must be purchased at the rental counter.
- Client may purchase coverage only for the specific days that they will be in Mexico.
- There is no reimbursement for repairs or lost use incurred while vehicle is in Mexico.

Jurisdiction:  Mexico Auto Liability Insurance is only valid when traveling in Mexico and according to the laws of Mexico.
Cost:  $22 per calendar date that the vehicle will be in Mexico. No maximum amount.

Coverage
This insurance provides coverage for physical damage to or total theft of the supplier's rental vehicle, third party liability and medical payments. Coverage also includes legal assistance to aid in the prevention of the driver from going to jail.

Limits
- Physical damage:      Limited to ACV (actual cash value) for collision, upset, overturn, etc.
- Total theft:                    Limited to ACV. Coverage excludes partial theft.
- Auto liability:                $1,000,000 combined single limit for property damage & bodily injury.
- Medical payments:    $3,000 per person and $15,000 per accident.
- Legal assistance:      Included

Deductible
- Physical damage:     The deductible for physical damage is 5% of the actual cash value of  the RV with a minimum deductible of $1000.
- Total theft:                   The deductible for total theft is 10% of the actual cash value of the RV with a minimum deductible of $1000. Coverage excludes partial theft.
- Auto liability:               No deductible
- Medical payments:    No deductible
- Legal assistance:     No deductible

Exclusions: Included but are not limited to the following:  
- Use of a rental vehicle in violation of the terms and conditions of the rental contract.
- Accidents which occur while renter is under the influence of alcohol and /or narcotics.
- Accidents arising out of the use of a rental vehicle by an unauthorized driver.
- Coverage excludes partial theft.