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Resources Zane Blues Alabama Zane Alaska Zane Alberta Zane Arizona Zane Arkansas Zane British Columbia Zane California Zane Zane for Insurance Zane Canada Zane Canada Colorado Zane Connecticut Zane Delaware Zane District of Columbia Zane In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles provided, do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Generally, liability coverage extends when you rent a car. Comprehensive policies usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. Florida Zane Georgia Zane Hawaii Zane Home Zane Idaho Zane Illinois Zane Indiana Zane Iowa Zane Kansas Zane Kentucky Zane Louisiana Blues Traveler Maine Zane Manitoba Zane Maryland Zane Massachusetts Zane Michigan Zane Minnesota Zane Mississippi Zane Missouri Zane Montana Zane Nebraska Zane Nevada Zane New Brunswick Zane New Hampshire Zane New Jersey Zane New Mexico Zane New York Zane Newfoundland and Labrador Zane North Carolina Zane North Dakota Zane Northwest Territories Zane Nova Scotia Blues and Blues Boogie Nunavut Insurance Ohio Zane Oklahoma Zane Ontario Zane Oregon Zane Pennsylvania Zane Plan Zane Prince Edward Island Blues Boogie Puerto Rico Zane Quebec Insurance Rhode Island Zane Saskatchewan Zane South Carolina Zane South Dakota Zane Tennessee Zane Texas Zane USA Zane USA Zane Utah Zane Vermont Zane Virgin Islands Zane Virginia Zane Washington Zane West Virginia Zane Wisconsin Zane Wyoming Zane Yukon Zane |