Insurance
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• Sunshine RV is not responsible for travel operators’ or their agents’ misrepresentation of facts
described in the insurance paragraphs included below.
• All coverage and waivers are subject to the expressed terms and conditions of the rental contract signed by
the client on pick up.
• In the event of an accident, renter and / or driver must disclose to Sunshine RV any insurance coverage they
may have.
• This outline is not a complete description of the various coverage plans. The Sunshine RV rental agreement
contains the complete legal provisions of the plans.
• Insurance and coverage plans are subject to change without notice.
A. Public Liability
Sunshine RV maintains insurance coverage for liability claims, property damage and / or personal injuries
resulting from the operation of an Sunshine RV vehicle. Our coverage provides third party legal limits to protect
the renter and authorized drivers. Liability coverage is limited to the minimum financial limits determined by
the US state or Canadian province in which the incident occurred. Claims in excess of the state or province
limits may arise. These claims are the responsibility of the renter. Sunshine RV assumes no responsibility for
such liability claims unless the client has purchased the Supplemental Liability Insurance.
B. Vehicle Incident Protection (VIP)
Jurisdiction: USA and Canada
Cost: Included in nightly rate
Coverage:
• Sunshine RV offers VIP coverage which is separate protection that reduces Renter’s financial responsibility
for all physical damage to the Rental Vehicle to the applicable deductible of $1000. VIP is a contractual
agreement between the Sunshine RV and the Renter, wherein Sunshine RV agrees not to collect more than
the applicable deductible of $1000 per occurrence from Renter for damages to the Rental Vehicle, subject to
exclusions (see below).
• VIP only covers damage to the motor home or vehicle itself while under the rental contract and does not in
any way limit the renter’s responsibility for liability claims, property damage, and / or personal injuries (see
Pubic Liability above).
• VIP is not insurance, rather an agreement between renter and Sunshine RV to limit renter’s financial
responsibility for damage to motor home. Third party claims are not covered or accepted.
• If purchasing Sunshine RV’s Mexico Auto Liability Insurance (MALI), the VIP will cover the difference
between the applicable VIP deductible and the 3% Mexico Auto Liability Insurance physical damage
deductible if the renter is involved in an accident while traveling in Mexico and is in compliance with the
terms and conditions of the rental contract.
Deductible: Per occurrence $1000 - provided the following exclusions have not occurred.
Per occurrence $5000 for overhead damage and undercarriage damage including entry step, tires,
wheels and provided the following exclusions have not occurred
(The deductible is non-refundable regardless of fault or recovery).
Exclusions: The Renter is responsible for any and all loss of or damage to the Rental Vehicle at actual or
estimated cost per occurrence. Exclusions include but are not limited to the following:
• Use of a rental vehicle in violation of the terms and conditions of the rental contract.
• Rental Vehicle swaps.
• Motor home or vehicle damage caused while driving under the influence of alcohol and / or narcotics.
• Motor home or vehicle damage caused by driver falling asleep at the wheel, or inattentive driving.
• Accidents arising out of the use of a rental vehicle by an unauthorized driver.
• Costs incurred in transporting damaged vehicle to the rental station, including towing and storage, while
traveling in Alaska or Northern Canada.
• Interior damage.
• Damage during off-road use.
• Overheating or freezing of rental vehicle systems.
C. Supplemental Liability Insurance (SLI)
Jurisdiction: USA and Canada
Cost: $10 per night; No maximum amount.
Coverage:
• Supplemental Liability Insurance provides excess auto liability insurance that protects the renter for the
difference between the underlying insurance and up to $1,000,000 against claims by a third party for bodily
injury and / or property damage sustained as a result of an accident while operating the Sunshine RV rental
vehicle.
• If the renter resides outside the United States and is covered by a foreign Liability Insurance policy, the
foreign Liability Insurance coverage will be excess / secondary over the SLI purchased pursuant to the
rental contract.
Deductible: There is no deductible with the Supplemental Liability Insurance.
Exclusions: Include but are not limited to the following:
• Use of a rental vehicle in violation of the terms and conditions of the rental contract.
• Motor home or vehicle damage caused while driving under the influence of alcohol and / or narcotics.
• Accidents arising out of the use of a rental vehicle by an unauthorized driver.
• Renter’s liability for damage to the rental vehicle.
• SLI is not available at IAD or BOS.
D. México Auto Liability Insurance (MALI)
Sunshine RV’s Mexico Auto Liability Insurance is required protection which the renter must obtain from El
Monte RV when renting an Sunshine RV vehicle and will be traveling in Mexico. Being added to Sunshine
RV’s Mexico Auto Liability Insurance policy provides excellent coverage and eliminates the hassles of trying to
obtain insurance at the border.
• A written permit from Sunshine RV is required for border crossing.
• Sunshine RV’s Mexico Auto Liability Insurance must be purchased at the rental counter.
• Client may purchase coverage only for the specific days that they will be in Mexico.
• There is no reimbursement for repairs or lost use incurred while vehicle is in Mexico.
Jurisdiction: Mexico Auto Liability Insurance is only valid when traveling in Mexico and according
to the laws of Mexico.
Cost: $22 per calendar date that the vehicle will be in Mexico. No maximum amount.
Coverage:
This insurance provides coverage for physical damage to or total theft of the Sunshine RV rental vehicle, third
party liability and medical payments. Coverage also includes legal assistance to aid in the prevention of the
driver from going to jail.
Limits:
• Physical damage: Limited to ACV (actual cash value) for collision, upset, overturn, etc.
• Total theft: Limited to ACV. Coverage excludes partial theft.
• Auto liability: $1,000,000 combined single limit for property damage &
bodily injury.
• Medical payments: $3,000 per person and $15,000 per accident.
• Legal assistance: Included
Deductible:
• Physical damage: The deductible for physical damage is 5% of the actual cash value of
the RV, with a minimum deductible of $1,000.
• Total theft: The deductible for total theft is 10% of the actual cash value of the RV,
with a minimum deductible of $1,000. Coverage excludes partial theft.
• Auto liability: No deductible
• Medical payments: No deductible
• Legal assistance: No deductible
Exclusions: Included but are not limited to the following:
• Use of a rental vehicle in violation of the terms and conditions of the rental contract.
• Accidents which occur while renter is under the influence of alcohol and /or narcotics.
• Accidents arising out of the use of a rental vehicle by an unauthorized driver.
• Coverage excludes partial theft.
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