[Insurance] Does Liability coverage follow you when you drive a rental car?

vkizzle wrote: ↑ Yes.

Xtrema wrote: ↑ https://www.crosbiejob.ca/blog/entryid/ ... ance-sef27

Squirtle wrote: ↑ The 27 Endorsement is for “legal liability for damages to non-owned vehicles” and typically refers to the physical damage component of a vehicle you rent. The 27 Endorsement doesn’t necessarily extend “Section 3 - Liability” (for bodily injuries) to the rental.

That’s because “Section 3 - Liability” has a provision in it to automatically extend to any vehicles you drive.

The priority of payments as it relates to Section 3 is 1) renter, 2) driver, and 3) owner of the rental. The owner of the rental has a maximum exposure of $1M but they can subtract any amounts available to the renter and driver from their $1M exposure.

For purposes of “Section 3 - Liability”, you let a friend drive your rental vehicle and they injure someone, the renter’s liability limits are exposed first before the driver’s become exposed. So when you do this, you’re essentially lending your insurance to your friend as well.

Squirtle wrote: ↑ No, the OPCF27 refers to physical damage coverage, not liability coverage.

Section 3.3:

What We Will Cover:
You or other insured persons may be legally responsible for the bodily injury to, or death of others, or for damage to the property of others as a result of owning, using or operating the automobile.

This section doesn’t only refer to Described Automobiles, rather, ANY automobile (described, or non-described).

Source: I work in insurance litigation.

WinterSleep wrote: ↑ So my broker said the wrong thing then.

So is this the section that extends coverage to not just "described" automobile, but to all other cars, including rental cars?

(Does this mean, that if I drive a friend's car, and I hit someone, and find out he didn't have insurance, I am still covered?)
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