The norms these days by companies selling automobile insurance policy to people is to disclose certain clauses that can potentially make the firm less responsibility for certain claims. Most businesses (insurance firms inclusive), are in business for profit, and it is only natural that they will try to give away as little as is marginally possible.
How about this scenario– an insurance company informing customers who they know are not the only ones to drive their cars that the company won’t be liable for any claims in accidents where the customer is not the driver. When faced with this kind of situation, you are advised to get the names of your children that are of driving age included in the car insurance policy.
Another way out is to seek ways by which your personal coverage can extend to when you drive your friend’s car. Another nomenclature for this kind of insurance coverage is non-owner policy. Folks are permitted by many car insurance policies in the U.S to drive rented cars.
It is also possible that the car you are renting is already insured. It is almost certain that your insurance coverage will not cover the car you are renting.
Footing the cost of repairs for the rental car by the insurance of the car rental is probably the best provision you will get. Therefore, make sure you are fully acquainted with the coverage of the policy to avoid getting into trouble. The most decisive factor when buying such things as auto insurance policies should always be your interest and that of your kids and spouse.
It is always best to have some form of insurance no matter wether it is liabillity or full coverage insurance.
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