Third-Party Liability (TPL) protection is not insurance. The purchase of TPL is optional and not required to rent a vehicle. If TPL is purchased, the rental company contractually waives the responsibility for the cost of damage to third-party vehicles or injuries to third parties during the rental period, up to the policy limits, unless the coverage is invalidated as provided in the rental agreement. TPL does not provide protection related to damages to the rental vehicle or injuries to the driver of the rental vehicle. TPL is included in the Alamo Protection Package (APP).
If accepted, TPL provides the renter and authorized drivers with up to 750,000 USD combined single limit for third-party liability claims. If the renter accepts TPL, the rental company provides third-party liability protection up to the applicable minimum financial responsibility limit of 45,000 USD per accident and excess third-party liability protection coverage from the applicable minimum financial responsibility limits up to 750,000 USD per accident. No deductible applies.
Please be aware that most auto insurance policies from outside Chile do not provide coverage in Chile. Employees of the local rental car company are not qualified to evaluate the adequacy of the customer’s personal liability insurance coverage, insurance purchased on third-party websites, and credit card coverage. The renter should contact their insurance company before arrival with any questions regarding their specific coverage.
If the renter declines both TPL and APP, the renter is financially responsible for the cost of damage to third-party vehicles or injuries to third parties during the rental period.