What is extended liability insurance (ELI) designed to cover?

Extended liability insurance (ELI) is specifically designed to provide additional liability coverage beyond the minimum requirements mandated by state law for car rentals. This means that in the event of an accident where the renter is found to be at fault, ELI can help cover costs related to damages or injuries that exceed the state liability limits.

This is particularly important for renters who may be unaware of how quickly potential damages can surpass basic coverage or who desire extra protection for peace of mind while driving a rental vehicle. ELI typically covers third-party claims, including bodily injury and property damage to others involved in an accident, which may be necessary if the damages exceed what the standard insurance covers.

Other choices focus on aspects like personal medical expenses, foreign rental costs, or damages to the rented vehicle, which do not align with the purpose of ELI.