Claims and subrogation professionals must be familiar with the law in a particular state which affects whether a rental car company’s liability policy or the renter’s personal auto liability policy will be primary when the renter causes an accident resulting in personal injury or property damage. This area of the law creates a great deal of confusion because many consumers are unsure what is covered by their own personal policy when they rent a car and are asked if they want to buy insurance or the collision damage waiver. This chart concerns itself only with liability insurance provided by the car rental company.

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