Insurance & Coverage

Every rental includes liability protection (LP) for bodily injury and property damage. To cover repairs to the rental car and other costs, you can add the three coverage options below.

We recommend adding coverage, just in case.

Without coverage, you pay the full cost of repairing the rental car after an accident, which can be a large amount. With coverage, you pay much less.

Insurance included in your rate

Liability Protection (LP)

Bodily injury Per person $100,000
Per accident $300,000
Property damage Per accident $50,000

Optional coverage

Only the CDW price depends on the car class.

CDW Collision Damage Waiver

Limits what you pay for repairs to the rental car (up to $50,000) to the $1,000 deductible.

AS / A class$17.00 / 24 hrs
RV / F / W / LA class$22.00 / 24 hrs

ZDW Zero Deductible Waiver

Waives the $1,000 CDW deductible (CDW required).

All classes$10.00 / 24 hrs

NOC Non-Operation Charge Waiver

Waives the Non-Operation Charge ($250 / $400) after an accident.

All classes$7.00 / 24 hrs

Conditions for CDW

CDW covers collisions between two vehicles when both have a driver. A police accident report is required. If repairs cost $1,000 or less (the deductible), you pay the actual cost.

Costs after an accident

Non-Operation Charge

If the car needs repairs after an accident, you pay the amount below to cover part of our lost income, regardless of the extent of the damage or the repair time. It is waived if you have NOC.

The car can still be driven and rented to the next customer $250
The car cannot be driven or cannot be rented to the next customer $400

Accident processing fee: $150

If you have an accident, a $150 fee applies regardless of fault. It covers police reports, certificates for insurers, repair shops and other parties, and the related paperwork.

What is not covered

You are responsible for any amount above the coverage limits, accidents excluded by the insurance terms, accidents or use that violate the rental agreement, losses from theft, and damage for which no police accident report can be obtained.

Not covered by any coverage option (regardless of fault)

  1. Reckless driving, drunk driving, or using a phone or other device while driving.
  2. Damage to windows.
  3. Theft of the car, vandalism, and items stolen from the car.
  4. Accidents or damage caused by a driver not listed on the rental agreement.
  5. Traffic fines and the related service fee ($100).
  6. Any new scratch or damage found when you return the car, however small (a $150 processing fee applies).
  7. Towing costs after an accident.
  8. Leaving the scene of an accident.
  9. Damage to or loss of tires, wheels, wheel covers or keys, and the related service fees.
  10. Accidents or damage not reported to the police right away at the scene (no police report number).
  11. Damage caused by typhoons or other natural disasters.

Not covered by CDW

  1. Reckless driving, driving on dangerous roads, or using a phone or other device while driving.
  2. Hitting an object while driving, or new damage that occurs while the car is left unattended.
  3. The car is totaled through your negligence.
  4. Theft of the car.
  5. The accident was not reported.
  6. The license plate number of the other vehicle was not recorded, or the vehicle registration had expired.
  7. The other driver did not have a valid driver’s license.
  8. Driving under the influence of alcohol or illegal drugs.
Taico Used Cars