Baseline rates for car rentals include the basic general insurance. However, the risk of damage to or theft of the car is not included in the coverage. Instead, renters can arrange for this independently or purchase an optional insurance or protection plan from the rental company, including coverage for an additional driver. Any damages to the vehicle will be covered by the insurance policy, but the renter will still be contractually liable to compensate the rental company for the loss of use (unavailability of a rental car and consequent loss of revenue by the rental company due to damage or theft). The per-day loss-of-use charge is calculated as 50% of the car's daily rental fee. For instance, if a damaged vehicle with a daily rental rate of 50,000 KRW takes three days to repair (50,000 x 3 = 150,000), the renter must pay a 75,000 won (50% of 150,000) loss-of-use fee.