Insurance Disclosure

1. XLane Rentals Is Not an Insurance Carrier

XLane Rentals ("XLane," "we," "our," or "us") is a vehicle rental company. We are not an insurance company, are not licensed to sell insurance, and do not act as an insurance agent or broker. Nothing on our website, in our booking process, in this Disclosure, or communicated by any XLane representative constitutes an insurance policy, a certificate of insurance, or insurance advice of any kind.

Any optional product offered during booking that is described as a "plan," "coverage," or similar term is a contractual damage waiver issued by XLane, not an insurance product. These plans modify the financial responsibility you would otherwise have to XLane under the Rental Agreement. They do not insure you, the Vehicle, or any third party, and they are not a substitute for personal auto insurance.

2. Optional Coverage Plans

XLane offers two optional damage-waiver plans at the time of booking. Purchasing a plan limits — but does not eliminate — your financial responsibility for physical damage to the rental Vehicle, as described below. Neither plan is insurance, and neither plan covers injury or damage to any other person, vehicle, or property.

• Collision Plan: Limits Renter's financial responsibility for covered physical damage to the rental Vehicle to a maximum of $2,000 (the "deductible"), subject to all terms, conditions, and exclusions of the Rental Agreement.
• Ultimate Plan: Limits Renter's financial responsibility for covered physical damage to the rental Vehicle to a maximum of $1,000 (the "deductible"), subject to all terms, conditions, and exclusions of the Rental Agreement.

If Renter does not purchase either plan, Renter is fully and personally responsible for the entire cost of any physical damage to, loss of, or theft of the Vehicle during the rental period, up to and including its full retail value, as described in our Terms & Conditions.

3. Liability to Others Is Always the Renter's Responsibility

Regardless of whether a Collision Plan or Ultimate Plan is purchased, the Renter is solely and fully responsible for any bodily injury, death, or property damage that the Renter or any Authorized Driver causes to any other person, vehicle, or property while operating the Vehicle. XLane's optional plans do not waive, reduce, satisfy, or provide any liability protection to the Renter, and do not protect the Renter from third-party claims or lawsuits arising out of an accident.

Renter represents that they hold a valid driver's license and that they (or any policy applicable to them) meet all automobile financial responsibility requirements of the state in which the Vehicle is operated. XLane may require proof of personal auto insurance, a valid credit or debit card, or other proof of financial responsibility as a condition of rental. Renter's personal auto insurance policy, non-owner policy, or umbrella policy, where applicable, is primary for any liability arising from Renter's use of the Vehicle, to the extent permitted by that policy and applicable law.

4. Indemnification

To the fullest extent permitted by law, Renter agrees to indemnify, defend, and hold harmless XLane Rentals, its owners, employees, and agents from and against any and all claims, demands, lawsuits, judgments, fines, losses, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) any accident, injury, death, or property damage occurring during the rental period; (b) Renter's or any Authorized Driver's operation or use of the Vehicle; (c) any third-party claim arising from the rental; and (d) any breach of the Rental Agreement, this Disclosure, or applicable law. This indemnification obligation survives the return of the Vehicle and the termination of the Rental Agreement.

XLane does not assume, and expressly disclaims, any responsibility for injury, death, or damage caused to any person, including the Renter, any Authorized Driver, any passenger, or any third party, arising out of the use of a rental Vehicle, except to the extent such injury, death, or damage is directly caused by XLane's own negligence in maintaining the Vehicle or grossly negligent or willful conduct, where such liability cannot lawfully be disclaimed.

5. Federal Law: The Graves Amendment

Under the Graves Amendment (49 U.S.C. § 30106), a federal law, a company in the business of renting motor vehicles cannot be held vicariously liable for personal injury or property damage caused by the operation of a rented vehicle merely because it owns the vehicle, provided the rental company is not independently negligent and is not engaged in negligent or criminal conduct. The Graves Amendment preempts conflicting state laws that would otherwise impose liability on a rental company based solely on vehicle ownership.

This means that, in general, responsibility for an accident occurring during a rental rests with the driver who caused it — not with XLane simply because XLane owns the Vehicle involved. The Graves Amendment does not protect XLane from claims based on XLane's own negligence (for example, a failure to properly maintain a vehicle), and it does not relieve any Renter or Authorized Driver of their own legal responsibility for an accident they cause. Nothing in this section limits or replaces any state financial-responsibility or minimum-insurance requirement that applies independently of vehicle ownership.

6. No Guarantee; Not Legal or Insurance Advice

This Disclosure is provided for informational purposes to clearly explain the nature of our optional plans and the allocation of responsibility during a rental. It is not legal advice, not insurance advice, and not a guarantee of coverage, outcome, or protection from liability in any specific situation. Renters with questions about their own insurance needs should consult their personal insurance carrier or agent before renting. Renters with questions about the legal implications of an accident should consult their own attorney.

7. Relationship to the Rental Agreement

This Disclosure supplements, and does not replace, the responsibility, damage, and coverage provisions of our Terms & Conditions, which Renter also agrees to at the time of booking. In the event of any accident or incident, Renter must follow the reporting requirements described in the Terms & Conditions.

8. Changes to This Disclosure

We may update this Disclosure from time to time to reflect changes in our plans, policies, or applicable law. Changes will be posted on this page with an updated "Last updated" date and apply to reservations made after that date.