![]() ![]() #Public or livery conveyance driverThis pays for the cost of an accident involving a hit-and-run driver or a driver who has little or no insurance. The policy will also provide medical payments coverage for you and your passengers, and underinsured and uninsured coverage. Most insurers will not issue an umbrella liability policy unless the basic policies meet certain dollar limits of coverage.Ī non-owned auto insurance policy covers you for damage you may cause to someone else’s car and liability for injuries to its occupants, or to pedestrian, in the event of an accident. Umbrella liability insurance provides high limits of liability coverage above basic policies. In addition, if you’re thinking of buying an umbrella liability policy, a non-owner auto policy may meet the underlying auto insurance policy requirements. Instead of buying liability coverage from the car rental company each time you rent a car, you can purchase a non-owner auto liability insurance policy from an insurance company for about $300 a year which might be cheaper if you rent frequently. This type of insurance usually costs about $1 to $5 per day, but may be unnecessary if you are covered by health insurance or have adequate medical coverage under your auto policy. This provides coverage to you and your passengers for medical/ambulance bills. Frequent car renters sometimes find this more cost-effective than constantly paying for the extra liability coverage. If you don’t own a car, and rent cars often, consider purchasing a non-owner liability policy. It generally costs about $9 to $14 a day. If you have adequate liability coverage on your car or an umbrella policy on your home/automobile, you may consider forgoing this additional insurance. Generally, this does not offer enough protection in a serious accident. Rental companies are required by law to provide the minimum level of liability insurance required by your state. This provides excess liability coverage of up to $1 million for the time you rent a car. This type of insurance usually costs about $1 to $4 per day. You need to have receipts or other proof of ownership. ![]() However, if you have homeowners or renters’ insurance, you may be covered for items stolen from the car, minus your deductible. This provides coverage for the theft of personal items in your car. If you have comprehensive and collision on your own car, you may not need to purchase this coverage. This coverage generally costs between $9 and $19 a day. The CDW may be void, however, if you cause an accident by speeding, driving on unpaved roads, or driving while intoxicated. Sometimes called a loss damage waiver (LDW), this coverage relieves you of financial responsibility if your rental car is damaged or stolen. (b) Any other four-wheel motor vehicle with a load capacity of one thousand five hundred (1,500) pounds or less which is not used in the occupation, profession or business of the named insured, other than farming: Provided, That the term "policy of automobile liability insurance" shall not include policies of automobile liability insurance (1) issued through the Kansas automobile assigned risk plan, (2) insuring more than four automobiles, nor (3) insuring the automobile hazard of garages, automobile sales agencies, repair shops, service stations or public parking places.Rental car counter insurance can provide the following coverage: (a) A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others ![]() Cancellation of automobile liability insurance definitions.Īs used in this act: "Policy of automobile liability insurance" means a policy insuring against the liability of the insured for the death, disability or damages of another and against loss or damage to the property of another, arising from the use of an automobile that is issued to cover the following types of automobiles owned by an individual or by husband and wife, including automobiles hired under a long term contract and written on a specified car basis: ![]()
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