Will Insurance Cover Me If I Rent A Car From My Brother?

I would like to rent my brother’s pickup from him just like I would do going to a rental car company. Even though he has his own insurance from a different company will my insurance cover his pickup if I was to be involved in a accident? I don’t want the claim to go against his insurance. Is it possible and what would I have to do to assure thi

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David Osgood
Agent, Rural Mutual Insurance Co., Union Grove, WI
Your auto insurance policy will typically provide you with liability coverage when you are driving a vehicle other than your own. It will not however typically provide any physical damage coverage for the vehicle. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
Answered on November 4, 2013
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Dmitriy Glazer
Are you renting your brother's pickup for personal or business purpose?
If for personal use, your policy will be excess based to your brother policy. For example, if there is an accident, your brother's policy will go first and if limits are exhausted, your insurance will provide coverage on the top of your brother's policy limits.
If you rent the truck for the business purpose, make sure you have Hired/Non-Owned coverage endorsement on your business liability coverage or commercial auto policy. This coverage usually runs at $100-$200 per year and provide a great deal of coverage for cars you borrow, rent or hire to use in business.
You can compare personal and business liability and auto insurance quotes on https://secure.insurezone.com/brand/iz/display.jsp?ToPage=Go&Time=T1383699931389
Answered on November 6, 2013
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