Insurance Advisor, Insurance Service Protection, Las Vegas, NV
I can only answer this for the states of CA and NV. The liability does follow you as primary if the vehicle you drive does not have insurance in place to protect when the accident is your fault.
Your insurance will act as a secondary if the liability claim exceeds the the primary's limit and takes care of the difference up to its limit.
If you rent a car and damage it you will be liable, unless your insurer did not exclude protecting the insured from comp & coll while using another vehicle.
It gets a little complicated, but you will need to check with your insurer and see if the exclusion is there. In special circumstances all your coverage will follow you on another vehicle used as
a substitute.
If you do rent a vehicle, I would suggest getting the damage waiver from the rental company. Damages are waived that is normally less than your deductible.
Insurance in most states follow the driver first, then the car. Always when lending your car to someone make sure that person has his own insurance. Otherwise your insurance will pay, but it can effect your rates. Some states are no-fault, such as Michigan. In those states neither driver is considered at fault and each drivers own insurance pays for any claim
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
In California auto insurance goes with the car. The car is insured regardless of who is driving the car. The insurance is based upon the household where the car is registered and the driving records of the household, but the insurance itself follows the car.
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Your insurance will act as a secondary if the liability claim exceeds the the primary's limit and takes care of the difference up to its limit.
If you rent a car and damage it you will be liable, unless your insurer did not exclude protecting the insured from comp & coll while using another vehicle.
It gets a little complicated, but you will need to check with your insurer and see if the exclusion is there. In special circumstances all your coverage will follow you on another vehicle used as
a substitute.
If you do rent a vehicle, I would suggest getting the damage waiver from the rental company. Damages are waived that is normally less than your deductible.