| Auto Insurance Coverage for Leased and Rented Vehicles |
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| A rental car or leasing company may not be required to provide automobile insurance coverage for its renters or lessees during the rental or lease period. Further, an insurer of a renter or lessor can exclude any liability coverage for their customers. The specific provisions of a vehicle rental or lease agreement should be carefully reviewed to decide whether minimum insurance coverage is provided for renters or lessees. More... |
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| Ambiguity in Auto Insurance Policy Language |
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| Policies of motor vehicle insurance are detailed documents that cover numerous aspects of the business relationship between an insurer and its insured. When this fact is matched up with the great variety of ways in which incidents can occur that may give rise to claims under a policy, it will not be considered surprising that the insurer and the insured will sometimes hold differing views of the meaning of a particular policy provision. When a party to a contract of motor vehicle insurance asserts that potential ambiguities exist in the language of an auto insurance policy, courts are often called upon to decide the meanings of the disputed policy terms and rule on related issues of coverage under the policy. More... |
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| Insurance Coverage for Motorcycles |
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| Whether it is warmer weather or increased fuel costs, more motorcycles are evident on America's roads and highways. There is a greater danger involved in riding a motorcycle than in driving a car. As a result, insurance companies treat motorcycles and their riders differently than automobiles and their passengers. Such treatment does not violate the constitutional right of equal protection under the law. More... |
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| Tort Liability for Highway Maintenance |
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| The massive collapse of an interstate highway bridge in Minnesota in 2007 has served as a stark reminder of the problems created by the aging infrastructure in the United States. Numerous less dramatic examples of the consequences of failure to properly maintain and repair highways and associated structures such as bridges and tunnels have led to the bringing of legal actions claiming damages for deaths, personal injuries, or property damage caused by such occurrences. Such actions can involve both governmental units and contractors who perform highway repair and maintenance work on behalf of those governmental units. More... |
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| Impact of Riders/Endorsements on Auto Insurance Policies |
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| A rider is a paper attached to a document that amends the document. In an automobile insurance policy, a rider can modify the conditions of the insurance policy. It can increase or decrease the policy's benefits. It can add exclusions from coverage, like a crime exclusion clause. The use of the rider means that the entire policy does not have to be rewritten if a change needs to be made. Riders are also known as endorsements, slips, or rubber stamps. More... |
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