Liability Insurance Questions

[Driver]

Spoke with Hertz at JFK....no liability coverage is inlcuded whatsoever...neither does Amex provide any....if you don't have private auto coverage and want to have liability - which is more than a good idea - you must buy it for $12.95 a day....I think better safe than sorry...

Good sales person, he made a good sale on you from selling you bs...

joey89 is right.

[YudiG]

Good sales person, he made a good sale on you from selling you bs...

joey89 is right.

agreed.....but 10K isn't enough of liability.....so either way I need to purchase supp. coverage...

[hocker]

I once posted what the required minimums are in each state. Maybe someone on a PC can link to it.

Always wondered: is the state minumum based on the state it`s rented in or the state the car is registered in?

[moko]

So what did you crash into?

a tractor trailer "hit me"

[joey89]

Always wondered: is the state minumum based on the state it`s rented in or the state the car is registered in?

I assume it's state rented in (and therefor all cars rented in CA have different laws, liability is cheaper b/c they r not mandated to give minimum coverage. no matter what state the car is registered in)

[joey89]

agreed.....but 10K isn't enough of liability.....so either way I need to purchase supp. coverage...

Alot of states its less then that

[joey89]

I once posted what the required minimums are in each state. Maybe someone on a PC can link to it.

Here is the wiki
http://en.wikipedia.org/wiki/United_States_auto_insurance
Just note that by law all states (excluding California) have to include the minimum in the rental contract, however in some states it's primary and in other ones it's secondary

[lybbtthl]

They r mandated to include minimum liability, (in N.Y. It's 10,000). which is not nearly enough if there is a lawsuit and you don't have personal insurance,

in NY the 10,000 you write is for property damage, but for personal damage you cause it's 25,000 per person up to 50,000

[lybbtthl]

I assume it's state rented in (and therefor all cars rented in CA have different laws, liability is cheaper b/c they r not mandated to give minimum coverage. no matter what state the car is registered in)

liability is not cheaper in CA at least from Hertz, it's 13.95/day while in NY it's 12.95/day and other states that I have rented in, (NJ and IL) it's also 13.95/day

and yes, it goes by what state you rent the car in regardless of what state the car is registered in, they usually make the contract before they even assign a vehicle

[YudiG]

in NY the 10,000 you write is for property damage, but for personal damage you cause it's 25,000 per person up to 50,000

are you sure it's that much....it's not $1M but for minor accidents it would prob be enough

[joey89]

in NY the 10,000 you write is for property damage, but for personal damage you cause it's 25,000 per person up to 50,000

Up to 25k per person
Up to 50 per accident. In bodily damage
If you total a car, 10k is not getting you anywhere.

[Cbs]

Spoke with Hertz at JFK....no liability coverage is inlcuded whatsoever...neither does Amex provide any....if you don't have private auto coverage and want to have liability - which is more than a good idea - you must buy it for $12.95 a day....I think better safe than sorry...

I once posted what the required minimums are in each state. Maybe someone on a PC can link to it.

first of all heres a thread on insurance

and this is the link to the list of Minimum in each state that they will cover w/o buying LI

and here i posted a pic of the T&C which says they will cover