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  • 枫下沙龙 / 休闲娱乐 / 我也问一个租车的问题 -oasis(oasis); 2001-10-9 {99} (#219895@0)
    royal bank的金卡到底能cover什么保险？
    租了两次车，都没买保险，虽说平安无事，可是总觉着心里不踏实。
    • 1. collision damage 2. car theft 基本上是这两样. -dropoutinmiami(东北的饺子); 2001-10-9 (#219932@0)
      • 再问你老人家一下，是不是就不用买保险了？ -oasis(oasis); 2001-10-9 (#219933@0)
        • 我手上刚好有关于RENTAL CAR INSURANCE的文章 -dropoutinmiami(东北的饺子); 2001-10-9 {1068} (#219943@0)
          本文发表在 rolia.net 枫下论坛Here are typical daily and weekly insurance premiums:

          1. Collision damage waiver (CDW) (Royal bank gold card covers this)

          2. Prsonal accident insurance (PAI)

          3. Personal effect coverage (PEC)

          4. Liability insurance supplement (LIS)

          PAI is nothing more than an expensive life insurance policy with medical payments. If you are already covered for medical payment, you should turn it down.

          PEC covers loss or damage to your personal property in the rental car. If you don't leave anything in the car, you don't need it.

          LIS: When you rent a car, your automatic coverage for injury or death to others is the bare minimum required by the state. For an extra money, the liability coverage is increased to $1 million or more. You don't need it.

          这是我摘录的, 如果你有CAR INSURANCE, 你可以DECLINE所有的RENTAL INSURANCE. 如果你没有CAR INSURANCE, 根据上面的, 1, 2, 3肯定不要(你的GOLD CARD COVERS NO. 1), 但LIS我不是很确定, 但如果你没什么个人资产的话, 我看不要也罢.

          上面是美国的情况, 加拿大应该不会有太大差异. 如不放心, 还是读读INSURANCE AGREEMENT更多精彩文章及讨论，请光临枫下论坛 rolia.net
          • 非常感谢，可是nationalcar根本没有LIS一项 -oasis(oasis); 2001-10-9 {670} (#219948@0)
            而是
            Loss Damage Waiver 25yrs And Over 20.95
            Loss Damage Waiver Under 25 20.95
            Personal Accident Insurance/persone 4.00
            Peace Of Mind 22.95
            Pom Valuecard 11.48

            Loss Damage Waiver ：
            This coverage provides for limited driver liability in the event of damage to the vehicle.

            Personal Accident Insurance/persone：
            Personal Accident coverage provides for coverage for the driver and the occupants of the vehicle. Personal Effects coverage provides protection for items that are the personal effects or items your travelling with, i.e. cameras, luggage, etc.

            Peace Of Mind：
            This coverage is all inclusive of the above coverage\
            • 没有的话, 是否RENTAL CAR已经提供? 至少从你列的内容和那篇文章的内容, 似乎你不需要他们的INSURANCE. 如果不放心的话, 好好地和租车公司探讨一下, 当然他们会尽量卖INSURANCE给你, 你自己判断 -dropoutinmiami(东北的饺子); 2001-10-9 (#219950@0)
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