If the Insured rents a car while on his/her Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car or c) the Coverage Limit shown above, less any applicable deductible.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

• Any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement
• Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles
• Any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible
• Failure to report the loss to the proper local authorities and the rental car company
• Damage to any other vehicle, structure, or person as a result of a covered loss
• Participation in contests of speed
• Driving under the influence of alcohol
• Being under the influence of drugs or intoxicants, unless prescribed by a Physician
• War or act of war, whether declared or not , civil commotion, insurrection or riot
• Commission or the attempt to commit a criminal act

The Insured’s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver’s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

TO REPORT CLAIMS OR FOR QUESTIONS ABOUT THIS COVERAGE, Contact BerkelyCare, the Plan Administrator.

Questions: expedia@berkely.com
1-(877) 846-8834 or 1-(516) 342-2500
File a claim: www.travelclaim.com

Office Hours:
8 AM - 10 PM (ET), Monday-Friday
9 AM - 5 PM (ET), Saturday

Actual Cash Value—Means purchase price less depreciation.

Exotic Vehicle(s)—Means Alfa Romeo, Antique cars, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Legland, BMW M Series, Bradley, Bricklin, Corvette, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Hummer, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lexus, Limousines, Lotus, Maserati, Mercedes, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, TVR and Triumph. Antique Cars means cars that are 20 years old or have not been manufactured for 10 or more years. The Insured must contact the plan administrator before renting to confirm whether the vehicle is covered.

Individual Coverage Term—Means the period of time beginning when the Insured has been enrolled for coverage under the Plan and for which the required premium has been paid.

Insurer—Means National Union Fire Insurance Company of Pittsburgh, PA.

Scheduled Departure Date—Means the first day of any Trip taken during the Individual Coverage Term.

Scheduled Return Date—Means the last day of any Trip taken during the Individual Coverage Term.

Traveling Companion—Means persons who are booked to accompany the Insured during the Trip.

Trip—Means any Trip taken during the Individual Coverage Term. Travel must be more than 100 miles from the Insured’s primary residence. Maximum Trip duration is 6 months.

You, Your, or Insured—Means a person who is scheduled to go on a Trip, who is listed on the enrollment form and for whom any required cost has been paid.

That means that you do not risk your rates going up on your personal auto insurance solely due to filing a claim with them.