Anyone know if the optional liability coverage (specifically at Enterprise) is primary or secondary to regular year round auto insurance?
The language on their website is pretty unclear on this:
"SUPPLEMENTAL LIABILITY PROTECTION (SLP) FOR THIS BRANCH IS $12.44 PER DAY. - SUPPLEMENTAL LIABILITY PROTECTION (SLP) IS OFFERED AT THE TIME OF RENTAL FOR AN ADDITIONAL DAILY CHARGE. IF ACCEPTED, SLP PROVIDES THE RENTER AND AUTHORIZED DRIVERS WITH UP TO $1,000,000 COMBINED SINGLE LIMIT FOR THIRD PARTY LIABILITY CLAIMS. IF THE RENTER ACCEPTS SLP, ENTERPRISE PROVIDES THIRD PARTY LIABILITY PROTECTION UP TO THE APPLICABLE MINIMUM FINANCIAL RESPONSIBILITY LIMIT AND EMPIRE FIRE AND MARINE INSURANCE COMPANY PROVIDES EXCESS THIRD PARTY LIABILITY INSURANCE COVERAGE FROM THE APPLICABLE MINIMUM FINANCIAL RESPONSIBILITY LIMIT TO $1,000,000. THIS IS A SUMMARY ONLY. SLP IS SUBJECT TO THE TERMS, CONDITIONS, PROVISIONS, LIMITATIONS AND EXCLUSIONS IN THE SUPPLEMENTAL RENTAL LIABILITY INSURANCE EXCESS POLICY UNDERWRITTEN BY EMPIRE FIRE AND MARINE INSURANCE COMPANY. THE PURCHASE OF SLP IS OPTIONAL AND NOT REQUIRED TO RENT A CAR. THE COVERAGE PROVIDED BY SLP MAY DUPLICATE THE RENTER'S EXISTING COVERAGE. ENTERPRISE IS NOT QUALIFIED TO EVALUATE THE ADEQUACY OF THE RENTER'S EXISTING COVERAGE; THEREFORE THE RENTER SHOULD EXAMINE HIS OR HER PERSONAL INSURANCE POLICIES OR OTHER SOURCES OF COVERAGE THAT MAY DUPLICATE THE COVERAGE PROVIDED BY SLP."
Thanks!
