{"id":1231,"date":"2018-08-14T12:00:17","date_gmt":"2018-08-14T17:00:17","guid":{"rendered":"https:\/\/flagshipinsuranceservices.com\/?p=1231"},"modified":"2020-04-27T07:56:31","modified_gmt":"2020-04-27T12:56:31","slug":"rental-car-coverage-qa","status":"publish","type":"post","link":"https:\/\/flagshipinsuranceservices.com\/index.php\/2018\/08\/14\/rental-car-coverage-qa\/","title":{"rendered":"Rental Car Coverage Q&A"},"content":{"rendered":"

One frequently-asked question we receive from our policyholders and agents is: Are rented vehicles covered by the personal auto policy?
\nWhile the most common scenario is renting a private passenger vehicle while on vacation, this also applies to renting a moving truck or a motorhome for personal use.
\nAmy Justman, senior personal lines underwriter will explain the difference between a standard policy and a West Bend Home and Highway\u00ae policy.
\nThe standard policy language developed by Insurance Services Office (ISO) and used by many personal auto companies provides coverage for rented vehicles under PART D \u2013 COVERAGE FOR DAMAGE TO YOUR AUTO.<\/strong> This, however, can be limiting as it only covers damage identified as \u201ccollision\u201d and other-than-\u201ccollision\u201d and a deductible will often apply. There may also be limits to the type of vehicle covered.
\nWest Bend\u2019s Home and Highway policy, on the other hand, includes rented vehicle coverage under PART A \u2013<\/strong> LIABILITY COVERAGE.<\/strong> This allows us to cover any damages for which you\u2019re found legally liable \u2013 including those assumed via contract (aka the rental agreement) \u2013 up to the limit of liability. Additionally, under liability coverage, there\u2019s no deductible. The liability coverage automatically applies to four-wheel vehicles licensed for road use when rented for personal use.
\nThis is a feature we call out as especially unique to our Home and Highway policy because of the broad coverage. Again, all insurance providers and their coverage forms differ so make sure to contact your agent or company to confirm before signing the liability waiver and driving off!
\nThese questions are also often part of the discussion. The answers are specific to coverage provided by the Home and Highway policy:<\/strong>
\n1. Who\u2019s covered for rented car coverage?
\n<\/strong>
\nThe \u201cinsured\u201d and a \u201cfamily member\u201d as defined by the personal auto coverage form.
\n2. Is there a coverage territory for rented car coverage?
\n<\/strong>
\nYes, the coverage territory is:
\n1. The United States of America, its territories or possessions
\n2. Puerto Rico
\n3. Canada
\n3. Is there a limit to the amount of coverage West Bend will pay on a covered loss to a rented car?
\n<\/strong>
\nYes, the Property Damage or Combined Single limit is the total amount we\u2019ll pay for damages to the rented car.
\n4. Will West Bend pay for loss of use to a rental car company?
\n<\/strong>
\nAfter a loss, our Claims Department will investigate to determine if the rental car company did indeed suffer a loss of use due to damage to the rented car; we will only pay if warranted. If we find there were other fleet vehicles available for rent while the damaged vehicle was being repaired, there was no loss of use. In that case, we\u2019ll deny this portion of the claim. If they can validate they experienced loss of use, we\u2019ll provide coverage for a reasonable period. For example, replacing a windshield shouldn\u2019t take more than a day.
\n5. My Home and Highway includes a Personal Umbrella. Will that limit be available as excess over and above the underlying auto liability limit?
\n<\/strong>
\nYes, the Umbrella limit will provide excess limits beyond the underlying auto Property Damage or Combined Single limit.
\nFurthermore, because the coverage territory for the Umbrella is worldwide, it would provide coverage even if needed outside the auto coverage territory described above. In such an event, a $250 retention (deductible) would apply.<\/p>\n","protected":false},"excerpt":{"rendered":"

One frequently-asked question we receive from our policyholders and agents is: Are rented vehicles covered by the personal auto policy? While the most common scenario is renting a private passenger vehicle while on vacation, this also applies to renting a moving truck or a motorhome for personal use. Amy Justman, senior personal lines underwriter will […]<\/p>\n","protected":false},"author":3,"featured_media":1233,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-1231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/1231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=1231"}],"version-history":[{"count":0,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/1231\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media\/1233"}],"wp:attachment":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=1231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=1231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=1231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}