PCRP-DOC 06/05 Page 3 of 7
fee for the Rental Car is enrolled in the Plan after
the Cardmember or Authorized Driver Boards the
Rental Car for the first time. Coverage also will
not be activated if an Enrolled Card has not been
used to pay the rental fee, but is subsequently
used to pay for Damage to the Rental Car.
Benefits
Damage and Theft Benefit
If Damage to or Theft of the Rental Car occurs,
the Plan will reimburse the Cardmember up to a
maximum of [$75,000, $100,000] for the following
payments the Cardmember is required to make:
1. up to the lesser of:
a. the actual cost to repair Damage to the
Rental Car; or
b. the wholesale monetary worth of the
Rental Car at the time of Damage or
Theft as stated in an authority commonly
used to determine such worth, or book
value, minus salvage and depreciation
costs; or
c. the invoice purchase price of the Rental
Car, minus salvage and depreciation
costs; and
2. Loss of Use; and
3. charges related to the Rental Car subsequent
to the Accident, such as expenses for towing
and storage, which are charged by the
nearest vendor or facility capable of rendering
assistance and which are the usual and
customary charges in the locale where the
Accident occurred.
Personal Property Benefit
If an Accident causes Damage to Personal
Property, or if Theft of Personal Property that has
been Secured occurs, the Plan will reimburse the
Covered Person the lesser of:
1. the replacement cost, less depreciation, as
determined by the Company, of the Personal
Property at the time of Damage or Theft; or
2. the cost of repair or replacement of the
Personal Property.
Personal Proper
ty is insured against Damage or
Theft only to the extent such coverage is not
provided by other insurance available to the
Covered Person.
Personal Proper
ty for each Covered Person is
insured for up to [$2,500, $5,000]. However, if
the Personal Property of more than one Covered
Person is affected by Damage or Theft from the
same Accident or incident of Theft, the total
coverage for all such affected Personal Property
is [$5,000, $10,000].
If Theft of P
ersonal Property that has been
Secured occurs, there must be visible signs of
forced entry to the Rental Car. Additionally, a
report listing each stolen item of Personal
Property must be filed with the appropriate law
enforcement agency.
Receipts or proof of ownership are required for
reimbursement of any item under the Personal
Property Benefit.
Accidental Injury Expense Benefit
If a Covered Person suffers an Accidental Injury,
the Plan will pay a secondary Accidental Injury
benefi
t up to a maximum of [$7,500, $15,000] for
treatment and supplies that are Medically
Necessary, only when all insurance otherwise
available to the Covered Person is not sufficient
to pay for the cost of the Medically Necessary
treatment.
“Accidental Injury” means bodily injury to a
Covered Person as a result of an Accident. An
Accidental Injury may neither, directly or
indirectly, wholly or partially, result from nor be
caused or contributed to by a disease, illness or
infirmity, nor by the ingestion, injection or
inhalation of any substance.
“Medically Necessary” means medical treatment
and supplies from a Physician or Dentist
required for the treatment of an Accidental Injury.
If the Covered Person has other secondary
insurance available, the Covered Person must
assist the Company in arranging with any other
such insurer to share and administer payment
for Medically Necessary treatment, up to the
covered maximum for each Covered Person, in
the interest of an equitable distribution of the
treatment expense among all insurers.
Medically Necessary treatment must begin within
90 days of the Accident that caused the
Accidental Injury and must be completed within
52 weeks of the Accident date.
Expenses for Medically Necessary treatment will
be paid on a reasonable and customary basis up
to the maximum for each Covered Person.
Accidental Death or Dismemberment Benefit
If a Covered Person suffers an Accidental Death,
the Plan will pay to the beneficiary of that
Covered Person [$75,000, $100,000] if the
Covered Person is the Cardmember and
[$7,500, $10,000] if the Covered Person is a
Passenger.
“Accidental Death” means the death of a
Covered Person as a result of an Accident. An
Accidental Death may neither, directly or