Dude schreef:Mijn voornaamste vraag blijft echter of ik voldoende verzekerd ben voor de tegenpartij. Stel dat ik iemand omver rij of een ongeval met letsel aan derden. Dekt de CDW dan alle kosten voor die andere persoon en zijn wagen? Hoe ik het hier overal lees wel maar ik wil wel graag zekerheid
Misschien is het goed om eerst te weten wat CDW (LDW) en SLI (LIS) betekenen. CDW dekt nl. geen persoonlijk letsel.
De dekking van CDW wordt op deze site als volgt uitgelegd, hieronder in het rood de belangrijkstre kenmerken:
Insurance purchased from the rental company, is usually in the form of Loss Damage Waiver, (LDW), which is also referred to as Collision Damage Waiver coverage, (CDW). LDW coverage is very expensive and often only provides coverage the consumer has already maintained through a credit card program, personal automobile insurance policy, homeowners insurance policy, or renter’s home insurance policy.
Usually, LDW/CDW insurance contains many loopholes, excluding payment for bodily injuries or damage caused by intentional acts, driving recklessly, driving drunk or impaired, driving on unpaved roads, or driving out of the state in which the vehicle was rented. For that reason, not all states allow rental car companies to sell LDW/CDW coverage.
To represent LDW/CDW coverage as collision damage coverage is somewhat misleading. It is not the same as the full coverage or even the collision damage coverage on a personal automobile insurance policy. LDW/CDW is insurance guaranteeing the rental company will pay for all damages to their rented vehicle only! LDW/CDW will not pay for bodily injuries or damages to personal property. LDW/CDW does not cover damages to someone else's car, known as third party damages caused by the consumer. The consumer should check their personal or business automobile policy to how and when they are covered for third party damage when renting vehicles.
When sold LDW/CDW is usually listed on the rental contract as an optional charge of $10.00 to $15.00 per day. Rental car agents often refer to LDW/CDW as "collision damage" or “full” coverage and they usually encourage the consumer to purchase it at an additional cost. The consumer should be careful purchasing LDW/CDW coverage as it sometimes contains a deductible which makes the consumer liable for the first $1,000 or $2,000.
Hieronder de uitleg van LIS/SLI:
LIS (Liability Insurance Supplement) is coverage that provides personal liability protection for damages that you cause to a third party. If in doubt, the consumer should purchase this coverage. Most states require that drivers renting vehicles have some form of third party protection, at least $15,000.00 payable to any one person, $30,000.00 payable to a group of persons.
In addition to LIS, rental car companies may offer supplemental or additional liability coverage which pays over and above coverage contained in personal or business insurance liability limits. Once again, if you do not already have personal liability coverage for a rental car or your limits are low, you should consider purchasing this supplemental coverage.
Op de hierboven door mij genoemde site staan de andere verzekeringen ook uitgelegd.