Supplemental Liability Protection (SLP)

What is Supplemental Liability Protection? 

SUPPLEMENTAL LIABILITY Protection (SLP) (Where available): Formally known as Supplemental Liability Insurance - SLI. If SLP is selected and paid for, Owner provides Renter or any AAD with third party liability protection in an amount equal to the minimum financial responsibility limits applicable to the Vehicle (the Primary Protection). SLP also provides additional third party liability protection, through an excess liability policy, with limits of the difference between the Primary Protection and a combined single limit of $300,000 per accident for bodily injury, death and/or property damage to others arising out of the use or operation of the Owner rental Vehicle by Renter or an AAD, subject to the terms and conditions of the policy. SLP includes UM/UIM coverage for bodily injury and property damage in an amount equal to the minimum financial responsibility limits applicable to the Vehicle (the Primary Protection), and additional coverage, through an excess liability policy, with limits for the difference between the statutory minimum underlying limits and $100,000 per accident (for rentals commencing in New York, UM/UIM limits are $100,000 per person/$300,000 per accident; for rentals commencing in Hawaii, the UM/UIM limits are $300,000 combined single limit) or state mandated UM/UIM limit, whichever is greater. OWNER AND RENTER REJECT ANY ADDITIONAL UM/UIM COVERAGE TO THE EXTENT PERMITTED BY LAW. SLP, including UM/UIM benefits is provided only when Renter or any AAD are driving the Vehicle. No claim for UM/UIM may be made due to the negligence of the driver of the Vehicle. SLP COVERAGE IS IN EFFECT ONLY WHILE ANOTHER AAD OR RENTER IS DRIVING THE VEHICLE WITHIN THE UNITED STATES AND CANADA; COVERAGE DOES NOT APPLY IN MEXICO. ADDITIONAL POLICY EXCLUSIONS INCLUDE: (A) BODILY INJURY TO RENTER, ANY AAD, OR TO THE BLOOD RELATIVES OR FAMILY OF RENTER OR ANY AAD, IF SUCH RELATIVES OR FAMILY RESIDE IN THE SAME HOUSEHOLD WITH RENTER OR WITH AN AAD; (B) PROPERTY DAMAGE TO THE RENTAL VEHICLE; (C) FINES, PENALTIES, EXEMPLARY OR PUNITIVE DAMAGES; (D) BODILY INJURY OR PROPERTY DAMAGE EXPECTED OR INTENDED FROM THE STANDPOINT OF THE INSURED; AND (E) ANY OBLIGATION FOR WHICH THE INSURED OR THE INSURED'S INSURER MAY BE HELD LIABLE UNDER ANY WORKER'S COMPENSATION, DISABILITY BENEFITS OR UNEMPLOYMENT COMPENSATION LAW OR ANY SIMILAR LAW. Note: Any UM/UIM benefits paid are included in the $300,000 combined single limit SLP coverage and in no way increase the combined single limit amount referenced above. This insurance coverage is underwritten by Zurich American Insurance Company.

Your own personal auto or umbrella policies or credit card coverage may provide rental car liability coverage; however, Alamo cannot interpret or provide advice with respect to what they may cover. The election of any SLP coverage offered by Alamo might duplicate, void or cause your own policies to become excess coverage. The purchase of optional SLP is not required to rent a vehicle.

PUERTO RICO SUPPLEMENTAL LIABILITY PROTECTION (SLP) (Where available): If SLP is selected and paid for, SLP provides Renter or any AAD with minimum financial responsibility limits under a policy of insurance AND excess insurance under a policy of insurance issued with Zurich American Insurance Company. These policies together provide Renter and AAD(s) with a combined single limit per accident equal to $300,000. SLP is primary to any other coverage and will respond to third party accident claims that result from bodily injury, including death, and property damage that arise from the use or operation of vehicle as permitted in the Agreement. The policies do not provide coverage for any loss arising from the use or operation of Vehicle in Mexico. SLP is available for an additional charge as stipulated on the Summary. 


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