Insurance Pricing and Information
Service:Price:
Collision Liability Insurance - Required: $15.00 / day
Supplemental Liability Insurance: $4.95 / day
Personal Injury & Personal Effects Insurance: $4.95 / day
Collision Damage Waiver: $28.00 / day
You must Purchase Insurance online directly with our insurer. A three dollar credit-card processing fee will be charged by MBA Insurance for the purchase. Internet access is available to our customers at the RollinsVillains' office. The Collision Damage Waiver may be purchased from RollinsVillains.
Comprehensive Collision Liability Insurance (CLI)$15.00 / day
  • Collision Liability Insurance covers personal injury and damage to property in excess of the $1000 deductable, up to Colorado statutory limits (see below).
  • This insurance coverage, provided by MBA Insurance, includes state-mandated coverage for Bodily injury liability (BI), Property damage liability (PD), and Medical payments coverage (Med Pay, or MPC). It is required for all rentals and may not be declined.
    • Bodily injury liability (BI) coverage covers you if you cause an accident in which someone else is hurt or killed. Colorado requires limits of $25,000 per person for bodily injury, and $50,000 per accident for bodily injury - commonly expressed as "25/50"
    • Property damage liability (PD) coverage covers you when you damage someone else’s property. Usually it’s someone else’s car, but it could apply to buildings, utility poles, garage doors, and other physical property. Colorado requires a limit of at least $15,000 per occurrence.
    • Medical payments coverage (Med Pay, or MPC) As of January 1, 2010, Colorado insurers are required to offer you $5,000 in coverage.
  • This insurance also protects renters by covering damage to our vehicles (over the $1000 deductable) from collision, falling objects, wind, fire, hail, theft, vandalism, or from other causes.
  • Guest passengers are specifically excluded from this coverage.
  • All Coverages for the rental customer are excess over any other collectible insurance.
Supplemental Liability Insurance (SLI) $4.95 / day
  • We offer SLI as additional liability insurance over the state statutory limits.
  • Many financial experts recommend carrying at least $100,000 per person and $300,000 per occurance - commonly expressed as "100/300."
  • SLI provides you with up to $300,000 total excess liability insurance for damage to other persons or other property.
  • Although certain credit cards may provide varying degrees of secondary insurance coverage, none provides Liability Insurance.
Personal Accident Insurance (PAI) $4.95 / day
  • For maximum piece of mind, Personal Accident Insurance provides additional insurance protection for personal injury, accidental death, and limited coverage for loss of or damage incurred to your personal effects.
  • Accidental Death
    • Accidental Death provides 24 hour accident protection to the primary renter and their immediate family traveling with them, for a death while traveling during the entire period of the Rental Agreement. Passengers are protected only while in, boarding or alighting from the designated vehicle. Limited coverage for:
      • Renter Loss of life $100,000
      • Passenger loss of life $10,000
      • The maximum total benefit that shall be payable in the aggregate for all covered occurrence is $150,000 regardless of the number of persons.
  • Accidental Medical Expense
    • Accidental Medical Expense provides you and your immediate family with $1,000 of 24 hour accidental medical expense coverage.
    • In addition, each passenger is covered while in, boarding or alighting from designated vehicle for $1,000 of emergency medical expenses and ambulance fees.
  • Personal Effects Coverage
    • Personal Effects Coverage provides limited coverage for your personal belongings from loss or damage caused by theft, damage, or accident to your rental vehicle. Personal Effect Coverage provides reimbursement for the actual cash value of the items subject to certain maximum, deductibles, limitations and exclusions.
      • Personal Effects Coverage protects your personal belongings as the primary renter and those of your immediate family traveling with you.
      • The maximum Personal Effects Amount per person is $525.00, which is subject to a per claim deductible of $25.00.
      • The items not covered are: securities, currency, deeds, artificial teeth bridges, documents, tickets, eyeglasses/contact lens, prosthetic limbs, automobiles, automobile equipment, animals, motorcycles, motorized boats, motors, other conveyances, perishables, bullion, and household furniture. Loss or damage occurring through wear and tear or gradual deterioration, insects or vermin.
      • Inherent vice or damage, and "mysterious disappearance" are also not covered.
Uninsured / Underinsured Motorist Insurance (UM/UIM) N/A
  • Uninsured / Underinsured motorist (UM/UIM) coverage covers medical and other expenses when you are hit by a driver without adequate auto insurance.
  • Although we are subject to broad Colorado Insurance laws, as an off-road rental service, we do not offer uninsured or underinsured motorist insurance coverage.
  • You may be asked to sign a waiver rejecting this insurance because Colorado law only allows UM/UIM insurance to be waived if it is rejected in writing.
  • You may obtain your own uninsured or underinsured motorist insurance coverage if you wish, but you may still be required to sign our waiver to indicate that you understand we do not provide uninsured or underinsured motorist insurance coverage.
Collision Damage Waiver (CDW) $28.00 / day
  • If you choose to purchase a Collision Damage Waiver (CDW), we will waive our right to charge you for vehicle damage up to $1000 (the insurance deductable amount).
  • If you choose not to purchase a Collision Damage Waiver, you will be held liable for any and all vehicle damage repair or replacement costs that may be incurred and that are not covered by insurance.
  • By Colorado law, Collision Damage Waivers may be voided when damage is caused by:
    1. Using the vehicle in a willful and wanton manner;
    2. Using the vehicle carrying persons or property for hire;
    3. Using the vehicle while committing a misdemeanor, felony or other criminal act;
    4. Allowing the vehicle to be used by an unauthorized driver;
    5. Supplying false information in an attempt to obtain the vehicle;
    6. Using the vehicle outside the continental U.S. unless specifically authorized; or,
    7. Tampering with the speedometer or odometer during the rental;
    8. Using the vehicle in a speed contest;
    9. Using the vehicle while intoxicated by alcohol or a controlled substance.
  • Some credit cards and automotive or other insurance policies may automatically provide you with coverage equivalent to our CDW.
    • Most credit cards do not provide Collision Damage Waiver (secondary insurance) coverage for off-road rentals!
    • We recommend the Collision Damage Waiver to any renter who does not use an insurance-carrying gold or platinum credit card for payment or if the renter is uncertain whether off-road rentals are covered by their specific credit card or by the renter's own automotive insurance policy.
    • If you are relying on your automotive or other insurance policy to provide this secondary coverage, please verify that it applies to off-road ATV and Motorcycle rental.
    • If in doubt whether your credit card provides this benefit for off-road ATV and Motorcycle rental, please check the fine print in your card's Guide to Member Benefits, or visit the website or call your credit card's issuing bank to be certain.
      • Nearly all Visa cards provide this benefit, but most explicitly deny any coverage off-road.
      • Although Gold and Platinum Mastercards generally provide this benefit, their coverage is limited to paved roads only. Standard Mastercards do not provide this coverage at all.
      • Nearly all Discover cards provide some form of this benefit. They do not limit coverage by road or terrain type, as the other cards do, but you must verify that your card provides secondary insurance coverage for off-road ATV rentals. Discover cards only provide coverage for the named cardholder.
      • Although certain American Express cards do provide rental loss and damage insurance for the named cardholder, we do not currently accept American Express because their merchant fees are so high.
      • See this article on wikipedia for more information on specific credit card insurance coverages and collision damage waivers.
  • Additional (third-party) Resources and Information on Damage Waivers: