Restricted Driver Endorsement* Limitation Of Coverage This: Fill & Download for Free

Excellent question on a complicated topic.To my knowledge there is no one database that contains each state’s unique statutes on rental car authorized drivers.The details of the question reveal the goal. The OP is concerned about physical damage coverage and how an “authorized driver” plays into where coverage is found. The answer below is intended to address the sources that may respond to damage of a rental car and how a driver’s authorized status comes into play.There are generally three sources of coverage for physical damage to a rental car. In general, each of them require the driver to be authorized in order for coverage to triggered:Coverage Provided under Rental Car Company’s Collision (Loss) Damage Waiver:“Authorized drivers” are typically extended coverage under Collision (Loss) Damage Waiver sold by the rental car company. Those drivers who are not authorized are generally not extended the waiver.See your specific car rental agreement in the jurisdiction you rent. Chris Luth’s answer and his link provided to AutoSlash .com provides great insight on the different rental car companies CDW agreement relative to who they extend authorized driver status.In the comments to Chris Luth’s answer, User-12295073205187992629 references Illinois Renters Financial Responsibility & Protection Act. It is important to note this Illinois legislation addresses only Collision Damage Waivers offered by rental car companies. Though it may trigger coverage from the next two sources, it does not address credit card benefits or mandate changes to auto insurance policy offerings directly.Coverage Provided by your Credit Card Benefits:If provided, credit card rental car coverage refers to the rental car agreement and typically extends coverage to the cardholder and “authorized drivers”.See VISA hereSee American Express Premium Car Rental Protection hereCoverage Provided by your Personal Auto Policy:The Physical Damage (Damage to Your Auto) coverage part typically extends coverage to “non-owned” autos (say, rental car) subject to certain restrictions.Compliance with the rental car agreement is generally one of those limitations. See the sample ISO auto policy exclusion language under the Physical Damage coverage part here:New York provides (of what might be numerous) an exception. New Yorkers are afforded legislation requiring all state issued personal auto policies include a Rental Vehicle Coverage Endorsement (PP 03 46 06 03). This endorsement pays for rental car damage under their Liability coverage part but also references and qualifies coverage “Pursuant to the terms of the rental agreement”.Generally speaking, coverage from all three sources above will require the driver responsible for rental car damages be an authorized driver.Coverage extended by a credit card, typically require the cardholder and the signer of the agreement be the same - and - any operator damaging the auto be authorized.Coverage from most personal auto policies will require drivers be a family member (or household member) and authorized as part of the rental car contract. Check with your insurance representative or agent for details specific to your policy. Ask for “chapter and verse” regarding “Non-Owned Autos” and applicable exclusions.The best way to protect yourself and be reasonably confident that coverage is going to extend from one of three sources listed above is to ask the rental car agent/company at the venue where the vehicle is rented “Who is an authorized driver?”. Then make sure anyone who may drive the vehicle is extended that status.Excellent question. Thanks for the A2A.

Does insurance cover you if you get in a car accident while drunk?Yes. And possibly No.Whether the answer is Yes - or - No will depend on the following three variables:Coverage Part: For which coverage part is involved?:Physical Damage Coverage (Comprehensive & Collision)Personal Injury Protection/Medical ExpensesBodily Injury and Property Damage LiabilityUninsured Motorist CoverageYour State Laws:Each state will have unique legal requirements for each coverage part.Your Policy:The contract language in your policy may differ between carriers. Though perceived as a commodity, auto insurance policies may be broader or more restrictive by program.EXAMPLE… The following is an example that would apply to most New York State auto insurance policies. Here’s a look at each coverage part:Physical Damage (Comprehensive & Collision)Covered: Damage to the car itself would still be covered if driving drunk or under the influence.Personal Injury Protection (PIP)NOT Covered: If found to be intoxicated or while ability impaired, the driver can be excluded from receiving medical benefits and lost earnings coverage under the New York State Personal Injury Protection Endorsement. See PIP policy exclusion snippet below:Covered: Other occupants of the vehicle would still be covered for their medical expenses and lost earnings under PIP, up to policy limits.Bodily Injury and Property Damage LiabilityCovered - Coverage for third parties bringing civil suit against you are generally covered.NOT Covered - Criminal lawsuit brought against the driver would not be covered.Uninsured Motorist CoverageCovered - Claims for injuries to the driver and occupants of the vehicle in the event of an Uninsured Motorist Coverage claim would be covered even if the driver was found to be under the influence. However, this coverage part only responds if the other party was at least partially at fault for the cause of the accident.Each state has their own required coverages and insurance endorsements. In some situations, coverage will vary by insurance company program.This is a great question. Check with your company representative and/or policy to find the answer for your particular situation.

The gold standard is a US passport for immigration purposes for the driver and each passenger, however any WHTI compliant document to prove citizenship will be accepted. This is not necessarily to enter Canada, but to ensure a hassle free return to the US. Don't show up at the Canadian border with a driver's licence and birth certificate.A valid US driver's licence for the class of vehicle being driven including an air brake endorsement if the vehicle has air brakes. Not all provinces recognize a US state's exemption to having a CDL to drive an air brake equipped non-commercial vehicle. Alberta, for example, requires an air brake endorsement. That may mean a need for a US CDL if the driver's state does not have a non-CDL air brake endorsement.For a vehicle, registration documents that are compliant with the jurisdiction the vehicle is registered in.For liability insurance, a yellow non-resident inter-provincial motor vehicle liability insurance card. This card can be obtained from one's insurer. Canadian liability limits are $200,000 minimum (about $160,000 USD at today's exchange rates.) While CBSA usually does not inspect for compliance, should a US plated vehicle be stopped in Canada by the RCMP or local police service, the card can be demanded by the officer. A US pink card is not good enough as almost all states' liability minimums are lower than Canada's. A no (or inadequate proof) insurance ticket can be thousands of dollars in Canada and carry a mandatory court appearance.A sample card looks like this:Some insurers will provide the Canadian minimum coverage at no additional cost, however there may be a charge to obtain the card, especially if one is carrying less than the Canadian minimum in the US.Do your research. Have the appropriate documents to cross the border.Now at present, the Canadian border is only open to essential travel and highly restricted transit to and from Alaska for any reason due to COVID-19. Given the veracity of the current third wave of COVID-19 infections spreading across Canada, do not expect this restriction to be lifted for the summer vacation season. Alaska transit rule violators are being heavily fined and excluded from Canada. Fines of over half a million dollars (USD) have been levied and subsequent court appearances are mandatory.