Civil Liability Resulting from Damage to Non-Owned Automobiles Endorsement INCLUDING Automobiles Provided by an Employer (Endorsement No. 27)
Be Protected in Case You Damage a Rented or Borrowed Vehicle
This optional coverage protects you in case you damage an automobile, camper or trailer you rent or borrow anywhere in Canada or the United States.
Depending on the type of vehicle you rent for personal use, you won’t need the insurance offered by the rental company.
This coverage is included in the Worry-Free Option.
In Context
Charles didn’t have a van to move his daughter into her first apartment, so he borrowed his brother-in-law Luke’s.
While driving, Charles lost control of the van and damaged it.
Luke didn’t have collision insurance, so his van wasn’t covered.
Luckily Charles had added civil liability for damage to non-owned vehicles to his insurance policy and only had to pay the deductible to have Luke’s van repaired. His insurance company assumed the costs.
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