car rental zurich airport

The stated policy behind this vicarious liability of rental car companies to ensure that a financially responsible to help the victims of car accident.6 To this end, some state lawmakers mandated insurance limits, the vehicle Owner or registrants.7 In theory, the requirement of minimum insurance coverage limits tend to mitigate, to some extent, the financial difficulties to motorists injured by a source of at least partially compensation.8

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The requirement to maintain minimum stocks Liability coverage usually falls on the owner of the vehicle registered. In most cases, but the auto-transaction, usually an operator has a separate automobile liability coverage. Under the standard insurance global transfer clause 9, that the operator was working with insurance separate and apart from the company car. Given this dual perception of reality, the car rental company sought, through the concept of secondary liability to the operator's personal liability insurers offer in the first line of defense and indemnification obligations of their own insured in accordance with the provisions of its own policies.

III.

SECONDARY liability

In an attempt to open this liability, most of the major car rental companies the concept of secondary liability in its leases. With this concept, the car company wanted to insure the financial responsibility for their tenants, as well as to more accurately predict their ultimate liability. To achieve these goals, car rental companies offer tenants proposed three options in relation to liability coverage.

At the first opportunity, the tenants could have a lower rate for the rental, by relying on his or her own personal automobile liability protections, which the parties agreed would be the primary coverage to the tenant for each accident. 10 After the second, the tenant might require additional insurance coverage or related to a slightly higher rent and in return the car or its insurer would have the primary responsibility for the tenant for each accident. "" And finally, in the third, if the tenant is not his or her own personal automobile liability coverage, the landlord would be in the minimum reporting requirements under the applicable state law. In the latter two cases, the rental car company would have primary responsibility for the tenant, at least up to the limits of the applicable governmental requirement or with the flip of rental.12

The following provision from which a certain car company lease, which is an example of a secondary liability provision:

If you can not buy liability insurance supplement at the beginning of the tenancy and an accident results from the use of the car, your insurance and insurance of the operator of the car is primarily. This means that Hertz does not provide any defense or claim protection under this paragraph, if either you or the operator of the vehicle through a valid and collectible products automobile liability insurance, whether primary, excess or contingent, with boundaries at least a minimum by the state for the financial responsibility law. If neither you nor the operator of the cars have such insurance,