Question

The named insured and a friend go to Florida on a trip. The named insured is the owner of an OAP 1 in Ontario. The named insured rents a car. The friend will ____

A. Be automatically covered under the OAP 1
B. Need to purchase separate rental car insurance
C. Only be covered if listed as an occasional driver
D. Not be covered under the OAP 1

Answer 1

The friend will only be covered if listed as an occasional driver under the named insured's Ontario Auto Policy 1 when renting a car in Florida. Otherwise, they would need to purchase separate rental car insurance.

Step-by-step explanation:

When the named insured (the owner of an Ontario Auto Policy (OAP 1)) rents a car in Florida, their rental vehicle is generally covered under the same terms as their own personal vehicle. However, this coverage typically applies only to the named insured and not necessarily to any friends or additional drivers unless they are listed on the policy. Therefore, the correct answer is C. The friend will only be covered if listed as an occasional driver under the OAP 1; otherwise, the friend would need to purchase separate rental car insurance or be added to the rental contract as an additional insured.

It is important for both the named insured and the friend to verify the coverage details with their insurance company before renting a car. Sometimes the credit card used to rent the vehicle can also provide additional insurance protections, but this should also be confirmed in advance.