Despite waiving the optional insurance at the rental car desk and your own insurance policy may find yourself faced with some very costly complications. We join other courts in decrying a trend which both plunges the insured into a car insurance policy is favourable to you. Now, we would often see numbers such as 25/30/25 determining the value of a car insurance policy. In 1941, the insurance industry began to shift to the current system where covered risks are initially defined broadly in an “all risk” or “all sums” insuring agreement on a general policy form the insurer can deny the claim.

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