나바호킴님 미국 허츠 렌터카 보험 커버리지 문의 > 보험 Q&A

부군님께서 걱정이 되시는 듯 한데 허츠에서 나온 아래 안내를 보여 드리십시요. 
Liability Insurance Supplement (LIS)
Liability Insurance Supplement (LIS) provides coverage for you and other authorized operators of your rental vehicle for third party claims.
LIS is primary protection to customer’s personal policy and provides the first $1,000,000.00 of combined bodily injury and/or property damage protection for each occurrence regardless of the state in which the accident occurs. On rentals in California and Florida the maximum combined single limit is $2,000,000.00 for liability protection only.
LIS provides up to $1,000,000.00 of Uninsured/Underinsured protection for bodily injury sustained while driving the rental vehicle.
There are some exclusions to this coverage, which we feel you should know. Under LIS, in the event of an accident, you will not be protected for third party liability:
If LIS is not accepted at commencement of the rental or if you fail to pay the charges for LIS.If you or an authorized driver operated the rental vehicle in violation of the Rental Agreement, including, but not limited to, operating the vehicle while legally intoxicated or under the influence of alcohol, drugs or other absorbed elements; permit the use of the vehicle by anyone other than authorized operators; for purposes that could properly be charged as a felony, to tow or push anything, or in a speed contest or for driver training.If the vehicle or LIS coverage was obtained by fraud or misrepresentation.LIS is third party liability coverage only, except where permitted by law or pertaining to Uninsured/Underinsured Motorist Coverage. LIS does not cover personal injury to you or any authorized operator of the rental vehicle or to your or their family members who are related by blood, marriage or adoption and reside in your or their household.

Loss Damage Waiver (LDW)
In most states, in the event of any other loss or damage to the car, regardless of fault, your financial responsibility extends to the full value of the car at the time of rental, less its salvage value, plus expenses for towing, storage impound fees, an administrative fee and a reasonable charge for loss of use. If your responsibility differs in the state in which you rent, it will be stated in Paragraph 4, of the Rental Agreement. In California, in the event of any loss or damage to the car regardless of fault, your financial responsibility will in no event exceed the fair market value, plus actual charges for towing, storage, impound fees, and an administrative fee. In California and Nevada, your responsibility for loss or damage to the car from vandalism unrelated to theft will not exceed $500.00 in California and $2,500.00 in Nevada and you are not responsible for theft, regardless of purchasing LDW, unless the theft results from your fault.. In Illinois, your responsibility for loss or damage for any cause other than theft is limited to $15,500.00. Loss or damage related to theft is limited to $2,000.00, unless the theft results from your fault.  In New York, your financial responsibility shall not exceed (i) the actual and reasonable costs that Hertz incurs to repair the car, including costs for towing, storage and impound fees or that Hertz would have incurred if the car was repaired or (ii) the fair market value of the car immediately before the damages occurred, as determined by the applicable market for the retail sale of the car less disposal proceeds. Your responsibility for theft of the car shall not exceed the reasonable costs incurred by Hertz for loss due to theft up to its fair market value, if it is established that you or any authorized operator failed to exercise reasonable care or aided or abetted in the theft. 
However Hertz offers Loss Damage Waiver (LDW) an optional service, which for an additional daily charge relieves you of all financial responsibility for the loss or damage to the rental car, whether or not you have insurance to cover such damage, provided the car is used in accordance with the terms of the Rental Agreement. The cost of LDW may vary depending on location or car type and is charged per each full or partial day of rental. F.Y.I. – You are under no obligation to purchase LDW or any other optional service as a condition of rental. Your own personal insurance may provide protection for loss or damage to the rental vehicle depending on the state in which you live and the type of policy you have. Also, various credit card companies provide cardholders with some degree of damage protection providing you use their credit card for the rental and decline the optional LDW offered by Hertz at time of rental. The coverage and limits vary. Your policy or credit card coverage should be thoroughly checked for the specific terms and conditions associated with rental vehicles. Remember, most credit card insurance is supplemental, which means it will only reimburse you for loss or damages over and above what is covered by any other insurance you may have and will not cover you for any damage, regardless of cause, if you accept LDW.Adding LDW after car is on rental:You may not change the option once the rental has begun, without returning the car and starting a new rental agreement.  This will result in the contract being closed out and charges being assessed for the time the vehicle is kept at least 1-day minimum, and a new rental contract will begin.
Cancellation of LDW - New York rentals only:On New York rentals only, LDW may be cancelled at no charge, within 24 hours of its purchase provided the renter (i) has rented the car for 2 or more days; (ii) appears in person at any Hertz rental location with the car, which shall be subject to inspection.
 Personal Accident Insurance (PAI)
Personal Accident Insurance (PAI), offered in combination with PEC, allows you to elect accidental death and accidental medical expense coverage for yourself and your passengers during the rental period of the vehicle.  PAI coverage:
Benefit Schedule  Renter  Each Passenger      Accidental Death  $175,000.00  $17,500.00      Accidental Medical Expenses     not to exceed (except NY):  $2,500.00  $2,500.00New York only:  $3,500.00  $3,500.00      Ambulance Expenses     not to exceed (except NY):  $250.00  $250.00New York only:  $150.00  $150.00 Total benefits for any one accident are limited to $225,000.00 and are payable in addition to any other coverage for which you or your passengers are eligible. However, your benefits provided by other coverage may be affected by the PAI benefits. Rentals originating in the State of Mississippi do not have a single accident limit of $225,000.00.
If this coverage is accepted, the benefits for you apply to all accidental injuries during your rental period, regardless of whether you are actually in the car. Your passengers are also covered, but only for incidents occurring while they occupy the Hertz rental car.
그리고 걱정이 되시면 한국 02 1600-2288 로 문의해서 재 확인을 해 보십시요. 
참고 할것은 보험 들시에 할인을 받으셨다면 그대로 하시고 만일 할인을 받지 못하셨다면 할인 코드에 2024703을 넣고 진행 하시면 풀보험+세금에서 10%를 할인 받을 수 있습니다. 
이 답변은 답변 작성일 기준으로 답변 한 것이므로 오랜 시간이 지나면 답변이 바뀔 수도 있으므로  검색으로 답변 참고를 할 시에 사안이 중요한 경우에는 꼭 답변 한 날짜를 보시고 새로운 정보 인가를 확인 후에 참고 하시기 바랍니다.
    나바호킴 여행 카페                    2018.06.09.

미국에서 라이빌러티란 "책임"이란 개념입니다.

내 잘못으로 사고가 나 상대방이 손상 입은 경우에 해당이 됩니다.

상대방 잘못으로 상대방이 손상이 난 경우는 내 책임이 없습니다. (상대방이 자신의 자손 보험으로 적용됩니다)



남편에게 LIS는 어떤 경우 누구에게 적용되나 물어보세요.                    2018.06.10.