Jasper's Auto Extended Protection Coverage Explained

As a renter, it's essential to understand the insurance options available for your rental vehicle. Jasper's Auto offers an Extended Protection (EP) coverage that provides additional liability protection and uninsured/underinsured motorist (UM/UIM) benefits. In this article, we'll break down the key exclusions and inclusions of EP coverage.

The EP policy excludes certain claims, including:

* Bodily injury or death to the renter, any authorized driver (AAD), or their blood relatives or family members who reside with them

* Property damage to the rental vehicle

* Fines, penalties, exemplary or punitive damages

* Bodily injury, death, or property damage expected or intended from the standpoint of the insured or the insurance company

* Any obligation for which the insured may be held liable under any worker's compensation, disability benefits, or unemployment compensation law

EP coverage is in effect only when another AAD or renter is driving the vehicle within the United States and Canada. It does not apply in Mexico. Additionally, no claim can be made due to the negligence of the driver of the vehicle.

The EP policy includes UM/UIM benefits for bodily injury and property damage (where required by law) up to the minimum financial responsibility limits applicable to the vehicle. This coverage also provides additional third-party liability protection through an excess liability policy with a combined single limit of $1 million per accident for bodily injury and/or property damage to others.

Additional Coverage Options

For retail rentals secured with EP within the cost of the rental, the following applies:

* The EP policy provides Renter or any AAD with third-party liability protection in an amount equal to the minimum financial responsibility limits applicable to the vehicle.

* UM/UIM benefits are included in the $1 million combined single limit EP coverage and do not increase the combined single limit amount.

Jasper's Auto Extended Protection (EP) coverage offers additional liability protection and uninsured/underinsured motorist benefits for renter or authorized drivers. By understanding the key exclusions and inclusions of EP coverage, you can make informed decisions about your rental vehicle insurance needs. Always review your policy carefully to ensure you have adequate coverage in case of an accident.

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