California Minimum coverage. Basic Liability Insurance (Standard Coverage) to cover damages you have caused to others. It comes with a minimum of 15000/30000 per occurrence which may not be enough is there are bodily injuries or loss of valuable property. Hence the additional coverage (SLI – See below).
Damage Deposit A damage deposit is pre-authorized on a Major credit card. Your card is not charged, the rental company simply authorize it. The authorization is released upon return and inspection of the motorcycle.
LDW (Loss Damage Waiver) covers the motorcycle in case of an accident where you are found responsible, in case of theft, partial or total destruction.
Note that Laidlaw’s does not offer this coverage. In case you are responsible for any damage to the vehicle above the amount of the deposit, or for its loss, you will be liable for the insurance costs (repair or replacement) .
It is your responsibility to choose to be covered either by your own motorcycle insurance or through a dedicated insurance coverage contracted specifically for the duration of your rental/stay in the USA.
Valuable additional coverages
SLI (Supplemental Liability Insurance) (Optional)
Supplemental Liability Insurance (SLI) may provide you with excess coverage for the difference between that provided in your rental agreement (minimum requirement is the state financial responsibility mandated by the applicable insurance jurisdiction) and $300,000. It protects renter against claims made by a third party up to $300,000.00 (Three Hundred Thousand Dollars) for bodily injury and/or property damage sustained as a result of an accident while the renter is operating the rental vehicle.
In California the minimum mandatory coverages are $15,000/$30,000/$5,000 which means $15,000 is available to be paid per person for bodily injury caused by the renter, and a maximum of only $30,000 can be paid for any and all bodily injuries caused by the renter to another person(s) per occurrence. Lastly, there is only $5000 coverage for property damage.
If there is more bodily injury or property damage caused by the renter than State Minimum coverage available to pay for the accident, then renter can be sued by the person he/she hit to pay for any additional expenses that exceed the state minimum coverage.
This is where Supplemental Liability Insurance (SLI) comes in. If the renter chooses to take the SLI , then they are covered for up to $300,000.00 (300 Thousand Dollars) for both bodily injury and property damage.
Personal Property Coverage (P.P.C.)
Protects against damage to personal effects, such as cameras leather jackets (not rental jacket), etc. up to $1,500.00.
Personal Accident Coverage (P.A.C.)
Personal Accident Coverage gives a $50,000.00 per rider and $25,000.00 per passenger death benefit as well as $2,500.00 rider and $2,500.00 passenger medical expenses.
** If renter violates any of the terms or conditions of the rental contract then he/she may be 100% responsible for the full cost of the rented motorcycle. Such as, but not limited to: drinking and riding, excessive speed, leaving the bike unlocked and unattended.