原文传递
Insurance Watch: Crew and car insurance
| 题名： | Insurance Watch: Crew and car insurance |
| 正文语种： | eng |
| 作者： | CHRIS RICHMOND |
| 作者单位： | marine insurance with Allen |
| 摘要： | A customer contacted us recently to find out if he had coverage for rental cars driven by his crewmembers. This led to more questions, including the insurance agent's favorite response: "Maybe, depends on what you are doing. Let's talk about it." The insured only had a commercial hull with P&I policy. I explained that if his crew were using the vehicle to run errands for the boat - in service to the ship - then there could be coverage for remedies should the crewmember be injured while driving. But should the crewmember be involved in an accident, there would be no coverage for any damage to the vehicle or for third party damages. This would fall under vehicles coverage. There are several ways to take care of this with a rented vehicle. The first is to take the coverages offered by the rental company. While no one likes to have extra fees added to an already expensive bill, this is often the easiest solution should there be an accident. Adding "hired and non-owned auto" coverage is another solution. While there would be no coverage for damage to the rented vehicle or the employee driving it, there would be coverage for the vehicle hit or the driver of that car. |
| 出版年： | 2022 |
| 期刊名称： | Work Boat |
| 卷： | 79 |
| 期： | 3 |
| 页码： | 12-12 |
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