Monday, July 30, 2012
Also, even if your liability coverage extemds to a rental vehicle, you may be held personally liable
Also, even if your liability coverage extemds to a rental vehicle, you may be held personally hawaiian cruises liable for any damage you cause to the rental vehicle if you don t carry comprehensive and collision coverage.
A. No. While some states require insurance companies to cover rentals regardless of the circumstances, coverage in Ohio is purely a matter of contract between the insurance company and its customer, and insurance policy terms will vary.
A. Maybe. Some individual policies that don t cover rental vehicles still will give you limited coverage for a temporary replacement vehicle to be used while your own car is being serviced. Not all policies offer such coverage, and there may be restrictions that may include a time limit on the use of the loaner vehicle.
Verify that your own policy has liability coverage for claims of third parties as well as comprehensive and collision coverage for damage to the loaner vehicle. The dealership or body shop providing the loaner car may have a policy that provides customers hawaiian cruises with liability coverage and even comprehensive and collision coverage for damage to the loaner vehicle.
If neither your personal auto policy nor the rental company s insurance will pay, you can be held personally liable for any damage you cause to people and property. If your personal policy will not cover you in a rental vehicle, hawaiian cruises then consider buying supplemental coverage from the rental company for the time you have the rental vehicle.
A. In Ohio it is against the law to drive without insurance. If you don t have a non-owner s policy of insurance, you may be able to buy a supplemental liability policy from a rental company that is also authorized to sell insurance.
(This information is provided by the Ohio State Bar Association. This article was original prepared by attorney Deborah Zaccaro. It was updated by Linda Ruse, an attorney with the Nationwide office in Canfield.)
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