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For all practical purposes, the vehicle is your property during the rental, and you should treat it with as much care and caution as if it were your own vehicle. Per our rental agreement—which is standard across car rental companies—you are responsible for all damage to, or loss or theft of, the Vehicle, including damage caused by weather, road conditions, and acts of nature, whether or not you are at fault. You are responsible for the cost of repair, or the actual cash retail value of the Vehicle on the date of the loss if the Vehicle is not repairable or if we elect not to repair the Vehicle, Loss of Use, and our administrative expenses incurred in processing the claim. With our insurance, you are only liable for the first $1000 of damages.