03-17-2010, 07:22 PM
But that's not the point punagirl made, Greg. The question here is not whether Lauren is covered but whether the person renting out the car is taking a big risk because their policy would be hit first. In the example I gave of my friend who loaned her car to her aunt, the aunt had insurance, but the primary coverage was handled by my friend whose car it was. And she ended up with no car after loaning it out for one day.
I think Lauren doesn't understand what she's asking someone to risk. I imagine Carey is right, in addition, and that we who have non-commercial insurance are not supposed to be renting out our cars. This is one of these ideas that sounds all nice and one person helping another that has potential to turn into a total nightmare for everyone involved. We all know that being a good and careful driver is not guarantee that some bad, uninsured, unlicensed driver isn't going to hit you.
I am pretty sure that the policy ON THE VEHICLE covers the medical for driver and passengers. My younger son is dealing with the aftermath of an accident right now. He was driving a company owned vehicle, which he was allowed to drive for all purposes. The primary insurance being applied to this claim, for driver and two passengers, is the policy bought by his boss, the owner of the vehicle. NOT the driver's insurance. Not the insurance of the at fault driver who hit them. That policy covered the vehicle damage, but not the medical, but only because the driver admitted fault. The vehicle, like my friend's vehicle, was totaled out by the insurance company, even though it was rear-ended at a Taco Bell, if you can believe it.
It's enough of a mess. I can only imagine if he had been renting a friend's car through some private agreement.
I think Lauren doesn't understand what she's asking someone to risk. I imagine Carey is right, in addition, and that we who have non-commercial insurance are not supposed to be renting out our cars. This is one of these ideas that sounds all nice and one person helping another that has potential to turn into a total nightmare for everyone involved. We all know that being a good and careful driver is not guarantee that some bad, uninsured, unlicensed driver isn't going to hit you.
I am pretty sure that the policy ON THE VEHICLE covers the medical for driver and passengers. My younger son is dealing with the aftermath of an accident right now. He was driving a company owned vehicle, which he was allowed to drive for all purposes. The primary insurance being applied to this claim, for driver and two passengers, is the policy bought by his boss, the owner of the vehicle. NOT the driver's insurance. Not the insurance of the at fault driver who hit them. That policy covered the vehicle damage, but not the medical, but only because the driver admitted fault. The vehicle, like my friend's vehicle, was totaled out by the insurance company, even though it was rear-ended at a Taco Bell, if you can believe it.
It's enough of a mess. I can only imagine if he had been renting a friend's car through some private agreement.