Mauna Kea, the Sacred

[mdd7000]

Great news about the telescope. Hopefully, science and continued intelligent though will continue to advance over paranoia and those who want to stick their head in the lava (sand).

PS - In most cases, the driver of a rental car is covered by their own, mainland insurance, despite it being against the rental car agreement. What is void is the additional coverage that the renter may have purchased from the rental car company.

[Royall]

quote:

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PS - In most cases, the driver of a rental car is covered by their own, mainland insurance, despite it being against the rental car agreement. What is void is the additional coverage that the renter may have purchased from the rental car company.

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A little off topic here but if someone has a rental car and they let you drive (and you're not on the list to drive) will your insurance cover the rental car? Had the situation where someone was having a hard time with traffic but was afraid to let me or others drive the rental.

Royall

[anthonyf]

quote:

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Originally posted by wino

anthonyf..... You sound more and more like someone that was just 86ed off this site.. Hmmmmmmm your style and manners are just like him Hmmmmm and at this pace you won't last long on this site...... Again

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Ha! "I mean there can not be more than ONE person who does not think like I do so he has to be so and so."

If you want, send me a private email and we can meet in person. Who ever you think I am I can assure you I am myself.

[missydog1]

(sidebar to Royall)
I haven't had that exact situation, but in Hawai'i the insurance follows the vehicle. If you are driving a vehicle and get in an accident, whoever has the coverage on the vehicle files the claim. Your own PIP (personal injury) insurance would kick in to pay your medical if there were not enough medical coverage on the vehicle's policy, but the vehicle's policy is first and foremost.

If fault is determined and accepted, the at fault driver's vehicle coverage pays for vehicle repairs.
If no fault is accepted, then the repairs are made by each vehicle's insurer.

I never drive a rental car unless I'm on as an authorized driver. I wouldn't want to be involved in that mess. I would imagine that the rental agency could sue a person who drives unauthorized and damages their vehicle, as well as the renter who allowed someone else to drive it. The rental contract should spell that out.
(end of sidebar)

"Sometimes it's not enough to know what things mean, sometimes you have to know what things don't mean." — Bob Dylan

[Orchidlandguy]

quote:

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Originally posted by mdd7000

Great news about the telescope. Hopefully, science and continued intelligent though will continue to advance over paranoia and those who want to stick their head in the lava (sand).

PS - In most cases, the driver of a rental car is covered by their own, mainland insurance, despite it being against the rental car agreement. What is void is the additional coverage that the renter may have purchased from the rental car company.

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not so in the case of rental companies that do not cover in Hawaii., which are a lot of the mainland insurance companies.
Orchidlandguy
NOT sock puppet
NOT over 60 (not even close)
NOT Scottish (not even close)
Not named David (not even close)
NOT posting on any other blogs, ever
and NOT any of the things or lies MDD7000 has said about me.

[mdd7000]

Would like to stay on topic of the telescopes, but mis-information needs to be corrected:

[url][/url]http://learningcenter.statefarm.com/auto/insurance/do-i-need-insurance-for-rental-cars/

Quoted from mainland State Farm:
"Many auto policies cover rentals with the same type and amount of coverage on your personal vehicle. Also ask about coverage for any administrative fees you may be responsible for, such as loss of use (rental income not earned on a car while it is in the repair shop)."

[Rob Tucker]

Most policies offer a very inexpensive rider to cover "non owned vehicles"... that is for rental cars and perhaps a car someone might just borrow.

[missydog1]

I am aware that personal auto insurance will cover a rental car. That's why I decline the waiver when I rent.

However, insurance companies do not always cover accidents that occur when you in violation of a contract, which may be considered negligent or reckless behavior.

Credit card companies are one popular form of rental car coverage, but they have this clause stating they will not pay if you were driving in violation of the contract.

This case with Amex illustrates what can happen:
http://www.concierge.com/cntraveler/traveltips/10617

I know someone whose family was stuck with buying their rental car Jeep after an accident on dirt road down near Kalapana. The driver had a twenty year relationship with his insurer and had a lawyer on retainer. In spite of best effort using an attorney, his car insurance refused to pay because he was driving on an unpaved road, which is an exclusion in the rental car contract.

They eventually repaired and sold the Jeep, and recovered all but $8000 of the costs, but all the repairs were done by talented family, not a shop.

Some personal auto insurance may pay, some may not. A person needs to check to be sure. "Loss of use" charges are not covered, and they can be costly. Also you have to pay your collision deductible, and a lot of people have $500 deductibles.

For those Punaweb readers who visit and rent cars, or have family visit, here's a useful page from Hawaii Discount Car Rentals. They work with all the agencies. It explains which agencies allow which roads when it comes to Saddle Road and MK Access Road. Only Harpers allows the summit road.

http://www.hawaiicarrentals.net/car-rent...-road.html

There are five agencies that now allow the Saddle Road, but Budget and Avis exclude the road to the VIS on grounds that it's a dangerous road.

I didn't mean to cause a whole side topic by mentioning the insurance problems that visitors who self-drive may run into, but since it was questioned ... this is what I know on it -- enough to make me do some homework before I would plan to take some Alamo Jeep up to the summit. YMMV []




"Sometimes it's not enough to know what things mean, sometimes you have to know what things don't mean." — Bob Dylan

[mdd7000]

"However, insurance companies do not always cover accidents that occur when you in violation of a contract, which may be considered negligent or reckless behavior."

That's what insurance does. It covers your negligent or reckless behavior. If you drive while high on weed and get in a wreck - your insurance covers your negligent and reckless behavior.

Back to the telescope - I liked the observation that Mauna Kea was used as a quarry by Hawaiians. How sacred is a quarry?

edit:typo

[silverpenny10]

wino: "anthonyf..... You sound more and more like someone that was just 86ed off this site"
Who are you implicating, wino? The last person 86ed was a known troll. You know something we don't? I find a lot of truth in anthonyf's writing. I get it.

Silverpenny10
NOT sock puppet
NOT Southwind
NOT Mauka
NOT Orchidlandguy
NOT anthonyf
Who did I leave out?