Sample State

Click here» for a sample state section (Connecticut) from Claims Involving Rented Vehicles.

Sample Table of Contents

1. Primary vs. Excess Liability
   1. Whose Coverage is Primary?
   2. Vicarious Liability
   3. Rental Company Could Avoid Vicarious Liability
   4. Double and Treble Damages
   5. UM/UI
   6. Failure to Inquire of Renter’s Insurance Coverage
2. Collision Damage Waivers
   1. Rental Agreement Restrictions
   2. Exclusion For Hitting Overpass May Not be Upheld
   3. Partial Damage Waivers (Not) Permitted
   4. Advertising Restrictions
   5. CDW Must be Optional
3. Physical Damage, Theft, Vandalism and Loss of Use
   1. Recovery of Physical Damage (Not) Regulated
   2. Loss of Use
   3. Diminished Value
   4. Administrative Fees
4. Authorized Driver/Permissive User Issues
   1. Authorized Drivers (Not) Defined
   2. No Emergency Exception for Unauthorized Drivers
5. Loaner Vehicles
   1. Loaner Can Be Construed to be a Rental
   2. Insurance Coverage for Loaners
6. Minimum Liability Insurance Requirements
7. Claims Settlement Practices