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 hire) of
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:
In case of a claim, Road Bear RV will not act as an adjuster for any insurances the renter (i.e. the customer)
may have purchased from another party.
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 motorhome.
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 hire 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 a vehicle's
air conditioning, GPS navigation system, 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 maintenance and 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.
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.
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.