9is question was answered based upon current rules, regulations & statutes in effect on March 6, 2020
My client is renting a vehicle for vacation in US and wants to allow a relative to drive the rental. She isn’t going to take the insurance through the dealer, so relying on her personal auto for coverage. Does the relative need to be added to my client’s personal auto as a driver in addition to adding her on the rental?
Kathy Cormier: The other drivers will need to be listed on the rental contract otherwise they would not be driving with the permission of the owner...the rental company.
As far as adding the “relative” to the primary owners auto policy, the MAP extends coverage to you and Household members. If a customary operator is added to the policy and they are not a HHM by definition, that operator is only covered when driving the vehicle listed on the policy. And if they were a HHM they would have to be listed on the rental agreement for coverage to follow.
I’m also sending this to Irene Morrill for her thoughts...Irene?
Irene Morrill: Advise your client NOT to let other people drive the rental car as their MAP only follows you and household members which is a defined term …related to and living with
If that person has their own MAP then they can and will have to go back to it.
If your insured chooses to let someone drive the rental car …whether family member or not the name must be listed on the rental contract or they have voided that.
Agent: Thank you, Irene & Kathy. I guess this is another reason to get the insurance through the rental company.
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