The Nonprofit
A foundation serving school groups.
The Situation
An employee of a nonprofit rented a vehicle for three days for business purposes of the foundation.
When returning the vehicle to the rental company, damage was noticed on the vehicle.
The Resolution
The nonprofit had purchased hired auto physical damage coverage, so subject to the HAPD collision deductible, the claim was handled and paid by the nonprofit’s auto policy and the employee did not need to involve her personal auto insurer.
From the Claims Files stories like the one above are intended to be informational in nature. Coverage will vary depending on language specific to your policy and your specific facts and circumstances.
Please contact your insurance broker and/or agent for your specific coverage implications based on your specific situation and follow any claims reporting procedures from your policy with your broker if there might be a claim.
Nothing in this story should be considered as legal advice or opinion and you should seek independent advice or legal counsel.