Quote:
Originally Posted by BettyCrocked
Our Allstate agent stated that it must be clear in the rental contract that you are loaning your golf cart to the renters. You are renting the home, you are not renting the golf cart.
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You can't use the cart unless you rent the house. So the use of the cart is contingent on the home rental so the cart is subject to a rental agreement. The policy excludes coverage for insured vehicles that are rented to others.
The only thing you have in writing is the insurance policy. The claim department isn't going to buy the agents "don't worry it's covered" theory. So ask the agent to put his extension of coverage in writing under his name. 10 to 1 he refuses to do it.
He would most likely have to review the rental contract, agree the language in it meets his criteria and then provide a written extension of coverage based upon his interpretation of the policy and contract. This is way beyond the capabilities of and insurance agent.