Author Topic: Minimum Liabilty Provided by Rental Companies  (Read 4794 times)

Offline elikay

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Minimum Liabilty Provided by Rental Companies
« on: January 30, 2011, 11:55:04 PM »
I saw this at Hertz and thought some might find it useful. Basically the law requires that you have insurance when on the road, so the rental companies are required to provide liability insurance however, the limits in some states are pretty low as you can see.



Offline ShmuliT

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #1 on: July 12, 2011, 10:41:37 PM »
If i rent in NY and travel to another state or Canada, will the liability minimum from NY state cover me there?

Offline elikay

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #2 on: October 09, 2011, 08:24:07 PM »
If i rent in NY and travel to another state or Canada, will the liability minimum from NY state cover me there?
I realize this is late but the answer is yes just like your insurance would cover in another state. I don't know how it works with Canada tough.

Offline Saver2000

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #3 on: October 09, 2011, 08:30:00 PM »
I realize this is late but the answer is yes just like your insurance would cover in another state. I don't know how it works with Canada tough.

It also depends on what's written in the contract,  if your not allowed to take the vehicle out of the US then insurance may not cover over there.

Offline lybbtthl

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #4 on: December 13, 2011, 09:12:52 PM »
it says Hertz is not required to provide the any coverage (even the state minimum) in some states, where can i find out which states? specifically California?

Offline joey89

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #5 on: December 13, 2011, 09:42:39 PM »
California is not covered period

Offline lybbtthl

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #6 on: December 13, 2011, 09:46:24 PM »
so, in the case of an accident, I have to deal with everything and I'm considered uninsured (if I don't have my own insurance and I refuse LIS)? or does Hertz have their own coverage which they don't pass on to me but they will bill me?

Offline lybbtthl

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #7 on: December 15, 2011, 03:17:28 AM »
If i rent in NY and travel to another state or Canada, will the liability minimum from NY state cover me there?

I personally rented in NJ and had a little accident in Toronto and was fully covered (only $800 of damages)

Offline txtmax4

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #8 on: February 26, 2012, 11:21:42 PM »
Does anybody know how much liability does Hertz and Avis provide in the state of Florida or how to get that info?
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Offline lybbtthl

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #9 on: February 26, 2012, 11:29:25 PM »
Does anybody know how much liability does Hertz and Avis provide in the state of Florida or how to get that info?
There is an image of a chart in a post above with all the state minimums, for Florida it is 15/30/15 and that's what Hertz provides, Avis's website seems to indicate that they also provide up to the state minimum.

Take note, however, the liability Hertz provides is only secondary to any other liability coverage you may have, the same is true in every state except California where there is no coverage and Arizona, Maryland, Massachusetts, Michigan, Minnesota, New York, South Carolina, Virginia, and West Virginia where they provide primary liability.
Similarly for Avis, in California and Texas they do not provide any liability, in Missouri and Utah they only provide liability if the renter has no liability him/herself, in New York they provide primary and the other states are not specified but it seems to imply that they all have primary liability provided up to the state minimums.
« Last Edit: February 26, 2012, 11:37:45 PM by lybbtthl »

Offline txtmax4

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #10 on: February 26, 2012, 11:42:55 PM »
There is an image of a chart in a post above with all the state minimums, for Florida it is 15/30/15 and that's what Hertz provides, Avis's website seems to indicate that they also provide up to the state minimum.

Take note, however, the liability Hertz provides is only secondary to any other liability coverage you may have, the same is true in every state except California where there is no coverage and Arizona, Maryland, Massachusetts, Michigan, Minnesota, New York, South Carolina, Virginia, and West Virginia where they provide primary liability.
Similarly for Avis, in California and Texas they do not provide any liability, in Missouri and Utah they only provide liability if the renter has no liability him/herself, in New York they provide primary and the other states are not specified but it seems to imply that they all have primary liability provided up to the state minimums.
Very informative, thanks.
Do you have the link for Avis's terms on this? TIA.
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Offline lybbtthl

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #11 on: February 26, 2012, 11:45:36 PM »
Very informative, thanks.
Do you have the link for Avis's terms on this? TIA.

http://www.avis.com/car-rental/content/render-faq.ac > USA > Protections/Coverages > 1st option on drop down menu

Offline txtmax4

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #12 on: February 27, 2012, 12:00:21 AM »
http://www.avis.com/car-rental/content/render-faq.ac > USA > Protections/Coverages > 1st option on drop down menu
Quote
In most instances
...
Anybody knows if FL is one of those instances or what exactly is the included liability coverage from Avis in FL?
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Offline txtmax4

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Re: Minimum Liabilty Provided by Rental Companies
« Reply #13 on: February 27, 2012, 12:01:44 AM »
Also, can somebody answer this question?
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