Lookout Protection
Cover for the miles between the gate and camp.
Trail, Ridge, and Summit are contractual damage waivers administered by Lookout — not insurance policies issued by a licensed carrier. Hosts still carry their own auto insurance. Guests pick a plan on every trip.
Trail
Host terms only. You cover damage up to the vehicle value.
Included
- Guest responsibility
- Vehicle value
- Vehicle cap
- Host policy
- Park roadside
- No
- No Lookout waiver. The host’s personal auto policy is primary.
- You are responsible for physical damage up to the car’s value.
- Use this if you carry your own comprehensive coverage that extends to rentals.
Ridge
Physical damage waiver with a $1,500 guest responsibility.
$19 / day
- Guest responsibility
- $1,500
- Vehicle cap
- $75,000
- Park roadside
- No
- Contractual damage waiver for collision and comprehensive during the booked trip.
- $1,500 guest responsibility per incident, $75,000 vehicle cap.
- Does not replace the host’s required auto insurance.
Summit
Lowest guest responsibility ($250) plus roadside in the parks.
$34 / day
- Guest responsibility
- $250
- Vehicle cap
- $150,000
- Park roadside
- Yes
- $250 guest responsibility, $150,000 vehicle cap.
- Park roadside within 50 miles of the listed park: jump, spare, winch-out on a legal road.
- Still a Lookout-administered waiver — not a licensed insurance policy.
What this is — and is not
Lookout Protection is a waiver in the trip contract. If you buy Ridge or Summit and a covered incident happens during the booked dates, Lookout applies the guest responsibility first, then the waiver up to the vehicle cap.
It does not replace the host’s state-required auto insurance, does not cover guests’ medical bills, and does not bind a policy with Allstate, Liberty Mutual, or any other carrier. A live admitted or surplus-lines program needs a licensed producer and a signed program agreement — that cannot be completed from this product.
File incidents from Claims within 48 hours. The ranger desk reviews every file.