What isn't covered by insurance?

Even if you have coverage, the following situations aren't covered, and you'll be responsible for any resulting damage.

Not covered: reckless or drunk driving; using a phone or other device while driving; hitting a wall, curb, post, sign or other object with no other vehicle involved (including bumps in a parking lot); window damage; theft or vandalism; accidents or damage caused by a driver not listed on the rental agreement; and traffic fines plus the related $100 service fee. Also, if new scratches or damage are found when you return the car, a $150 accident processing fee applies, however minor the damage.

Also not covered: towing after an accident; leaving the scene of an accident (hit-and-run); damage to or loss of tires, wheels, wheel covers or keys, plus the related service fee; any accident or damage not reported to the police right away at the scene (with no police report number); and damage from typhoons or other natural disasters.

Reckless and drunk driving are easy to avoid by following the basic rules. But hitting a wall or other fixed object can happen even to careful drivers, and it isn't covered either way, so take extra care when parking or turning around. For accidents that are covered, reporting to the police right away still matters.