Borrowed and Rental Vehicle Crash Coverage-Routing Workbook

What is inside

Sort injury, liability and vehicle-damage claim routes when the driver does not own the vehicle, using permission, contract, trip-purpose and actual policy documents.

• Start with a clear working file
• Identify the nonowned-vehicle arrangement
• Build the permission and authorized-driver record
• Check purpose-of-use and eligibility questions
• Preserve contract and inspection evidence
• Work through the examples
• Arrangement and permission record
• Loss-category coverage routing
• Contract and policy document audit
• Competing insurer instructions
• Check the file before using it
• Write down the next step
• Sources and scope

How to use the guide

1. Save a copy and read its instructions before filling in fields.
2. Use your records to enter facts and dates. Label anything that still needs confirmation.
3. Keep your completed copy private. Check the recipient and the included information before sharing.
4. Verify the applicable state rules. The guide does not decide coverage, legal deadlines, or claim value.

Who this is for

• People who need to organize the records and questions addressed in this workbook.
• Readers preparing a factual summary for a qualified adviser or the relevant organization.

Related tools and reading

• Insurance claim tracker
• Expense and damages tracker

Sources

• Texas DOI auto insurance guide

  Official reference supplied with this workbook. Check the current rule and its application to your situation.

• New York DFS consumer auto FAQ

  Official reference supplied with this workbook. Check the current rule and its application to your situation.

• Texas DOI rental-car insurance guidance

  Official reference supplied with this workbook. Check the current rule and its application to your situation.