Personal Auto PolicyQuestion 412 of 531
A contractor rents a box truck for a month and the driver wrecks it in an at-fault collision. The firm carries hired auto liability only. Damage to the rented truck is:
a.Covered by the liability part as property
b.Covered once the rental firm's policy pays
c.Not covered without hired auto physical damage
d.Covered, as the truck is a hired covered auto
Explanation
Hired auto liability answers for injury and damage the firm causes to others while using a rented vehicle; damage to the rented vehicle itself is the firm's own property loss and needs hired auto physical damage coverage. Liability coverage will not do it, since it excludes property in the insured's care, which is what a rented truck is.
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