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  insurance: road bear rv

All the Road Bear RV rentals include the statutory minimum legal amounts of liability (i.e. third party) insurance. These minimums vary between state, province and territory. (If you own and operate an automobile, please check with your auto insurance provider to determine the coverage which that insurance extends to you while you are operating a rented recreational vehicle in the United States, Canada, and so forth.)

All the Road Bear motorhome rentals also include collision and comprehensive insurance inhering a deductible (a.k.a. excess; applicable per claim/occurrence not per rental) of US$ 750. The term comprehensive here signifies vehicular damage due to vandalism, fire, theft of the vehicle, break-in, and weather, as well as animal impact, accidental damage to windows, and towing and recovery costs. Of course said deductible/excess is void if the client/customer fails to file a relevant and timely accident/damage report with the police and/or Road Bear RV or fails to inform the Road Bear RV pick-up depot within 24 hours with a full written report or if the client uses the vehicle in violation of the rental contract he/she signs with Road Bear; the said coverage is also void in connection with the following "exceptions" and the further "exclusions" noted farther down this page: (a) damage caused by off-road driving, (b) damage caused by backing up the vehicle, (c) damage cause by driving into overhead objects, (d) damage caused by contact between the undercarriage (including tires and wheels) and rough ground, (e) damage caused by misuse of the slide-out functionality, (f) damage caused by misuse of the awnings, (g) damage caused by use of the water tanks during freezing temperatures (in which case the water tanks should be empty).

Also included by default is 24/7 assistance.

Clients can enhance Road Bear RV's said default insurance coverage — alias the Vehicle Incident Protection (VIP) — by purchasing Road Bear's optional statutory limit insurance (SLI) addendum, which increases said statutory limits to US$ 1,000,000 per authorized driver of the rental RV.

If a mechanical breakdown of the vehicle renders it inoperable for the 12 consecutive working hours after the client initially informs the vendor about the breakdown, the client will be reimbursed for (the greater of) (a) the daily rental rate or (b) expenses for hotel rooms up to US$ 25 per person per night and car rental up to US$ 50 per night per rental (to a maximum of US$ 1500). Receipts, of course, are required in these respects. The term breakdown as used above does not refer to the vehicle's air conditioning, refrigerator, microwave oven, other appliances, slide-out functionality, automatic step, awning, radio, TV/VCR/DVD, generator, and cruise control, among other functionalities not essential to travel.

For repairs exceeding US$ 50, the customer must call the vendor to get authorization. Non-authorized repairs over US$ 50 will not be reimbursed. Again, receipts must be presented for reimbursement to occur.

exclusions

  • US$ 3000 responsibility for negligent damage. The term negligent damage here refers to damages consequent of the driver's negligence, i.e. such damages immediately resulting from (a) off-road driving, (b) backing up, (c) driving into overhead objects, (d) contact between the undercarriage (including tires and wheels) and rough ground, (e) misuse of the slide-out functionality, (f) misuse of the awnings, (g) use of the water tanks during freezing temperatures (in which case the water tanks should be empty).
  • Deliberate or willful damage caused by the client or by a guest of the client.
  • Interior damage.
  • Personal items.
  • Damages due to failure to maintain fluid levels (e.g. engine and transmission fluids) or tire pressure.
  • Damages due to misuses of braking system (e.g. overheating) or transmission system (e.g. overdrive).
  • Damages due to driving illegally under the influence of alcohol or other drugs.
  • Damages that occur while traveling in restricted areas. (See below.)
  • Damages that occur when the vehicle is carrying more passengers than the number of the vehicle's seatbelts.
  • Damages consequent of failure to use the specified fuel.
  • Damages that occur while the vehicle is operated by any non-USA resident under 21 years of age or any USA resident under 25 years of age, or without proper license. (See the Payments & Policies page regarding proper license.)
  • restrictions

  • Renter (contract signer) must be a minimum 21 years of age if a non-USA resident or 25 years if a USA resident — there is no maximum age limit — and must have a major credit card (MasterCard/Eurocard, Visa, or American Express; not ATM/debit card), a valid driver’s license from country of residence and current identification including passport for non-US residents. The license must not expire during the rental period. An International Driver’s License is recommended, though not required. Travel to Canada or Mexico requires a valid passport.
  • All drivers must be a minimum of 21 years of age if a non-USA resident, 25 years if a USA resident, with a valid driver’s license from country of residence and passport. The license must not expire during the rental period. An International Driver’s License is recommended, though not required.
  • Renter, all additional drivers and credit card holder must be present at the time of pick up to sign the rental contract.
  • Major credit card (MasterCard/Eurocard, Visa, or American Express; not ATM/debit card) with available credit for the Security Deposit above the rental charges is required. The credit card must be issued to the signer or co-signer of the contract.
  • Clients arriving on flights from overseas (i.e. outside North America) are not allowed to pick-up the rental vehicle on the day their flight arrives, this constraint being imposed by the vendor's insurance company in recognition of the naturally fatigued state of such clients upon flight arrival.
  • Pets are not allowed in the vehicles. A US$ 250 cleaning/deoderizing fee applies if this rule is violated.
  • Smoking is not allowed in the vehicles. A US$ 250 cleaning/deoderizing fee applies if this rule is violated.
  • Travel into Alaska, the Yukon, and the Northwest Territories is allowed but the client should obtain authorization from the vendor.
  • Generally, however, you may drive the vehicle in the other Canada provinces; no special authorization required by the vendor.
  • Travel into Montreal and Quebec City is not permitted.
  • Travel into inner New York City (i.e. off the Interstate highways) is not permitted.
  • Travel into Death Valley is not allowed from 15 June to 15 September.
  • Travel into Mexico is not allowed.
  • Travel on beaches, gravel, dirt, logging and other non-public roads is not allowed.
  • The vendor will hold the client entirely responsible for damages or mechanical breakdowns that occur in said restricted areas or on the restricted types of roads noted above.
  • Where/when the ambient temperatures of the low-altitude regions near the depot are expected to be below the freezing point during a client's rental, the vehicle will be delivered to the client with its water/waste system drained; and if the client re-hydrates this system during the rental and returns the vehicle as such, a US$ 100 fee will be charged to the client upon return. In contrast, if such temperatures will or may be encountered only at higher altitudes or otherwise sporadically during a client's rental duration the vehicle may or will, respectively, be delivered to the client with its water/waste system hydrated. Regardless, in all cases the client is responsible for any damage to the water/waste system due to freezing. Which is to say, the client should be sure the water/waste system is drained of water before using the vehicle where that water system might freeze. Of course upon the pick-up occasion the vendor can provide instruction regarding the draining and rehydration of that system.
  • accident

    In the event of an accident, the customer must obtain a local police report as provided by the attending police officer investigating the accident. An accident report form is supplied in the vehicle. The client should notify the vendor about the accident as soon as possible. On said accident report form the client should make a full, written report including the other party's name, address, phone number and driver's license information. The client should submit that form to the vendor upon returning the vehicle. All documents relating to the accident should include a police report number or other pertinent identifying number. Insurance coverage may be void if these measures are not performed.

    Warning

    Although motor travel in North America is not generally considered prohibitively dangerous, there are, of course, associated risks — including death. For quantitative measures of these risks, please see the Association for Safe International Road Travel (ASIRT) http://www.asirt.org.