美国租车state minimum liability怎么用

很多州(加州除外)租车是附送state minimum liability的,但我看他们的规矩好像还不一样?
这里是hertz的
租赁条款 (hertz.com)
这里有一句话说,如果hertz用他的liability赔付了,你要给他赔付的钱:
Hertz’ liability protection is secondary to any other insurance coverage available to you. If you do not have liability insurance and/or the limits of liability of the insurance coverage available to you are not sufficient to cover claims by others against you, and Hertz, as the vehicle owner, provides liability protection due to an accident, you will indemnify Hertz for any and all payments made.
那这个liability有什么意义吗?比如出事了,hertz赔付对方1000,那我还得给hertz付1000??这部是霸王条款吗?
而看avis则是没有这个条款的
Protections & Coverages FAQ | Avis Rent a Car
求问泥潭大神,这个state minimum liability咋用的啊?

你能把车开上路没被抓就算用了state minimum了

还真敢用state minimum上路吗……这不就和交强险一个性质,小事用不上大事用不上

就,如果出事了是怎么赔付的啊?hertz这个感觉这个保险保没保没区别啊?

就是车主为上路做的合规,和你驾驶员无关

需要驾驶员的coverage请转账付费

小事可能用得上啊,比如剐蹭啥的。像我们州就提供$25000 property damage和$25000(max $50000) bodily injury的liability,可多了

但是我看avis条款里好像没写这个?他的条款意思不就是,如果赔付了,也是avis出吗?

Property无所谓,2.5万美金人伤在医院呆一周都够呛……

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只有少部分州是primary 你可以先走租车公司的 大部分是secondary 你没有车险hertz就问你要 泥潭有dp 其他公司估计也差不多

有个自己车险或者买个租车公司买个额外的liability比较保险

我记得Avis的条款和hertz一样的

你看我发的两个链接啊,hertz有这句话:“If you do not have liability insurance and/or the limits of liability of the insurance coverage available to you are not sufficient to cover claims by others against you, and Hertz, as the vehicle owner, provides liability protection due to an accident, you will indemnify Hertz for any and all payments made.”
但是avis没有

liability的secondary是啥意思啊?不是像信用卡的cdw那种一样,如果自己有车险就用自己的车险,没有的话再用信用卡来cover吗

我记得很清楚纸质contract有同样的表述,现在懒得看文件了 :troll:

你自己写的很清楚了

对啊但是avis就不是这样啊?avis是这样东西:
Avis provides liability coverage for its vehicles as required by applicable law. In most instances, this will include coverage for the renter or authorized driver up to the financial responsibility limits of the applicable jurisdiction at no additional charge. In some states, the liability coverage provided is excess to any other applicable coverage. This means the renter’s personal liability insurance is used first, and the Avis protection will not apply until the renter’s or driver’s insurance, if any, has been exhausted.

也许吧 看你租车时候签的term具体怎么写的 你觉得state minimum够赔可以试试 光脚的不怕穿鞋的

小事可能用得上啊,比如剐蹭啥的。像我们州就提供$25000 property damage和$25000(max $50000) bodily injury的liability,可多了;我就是怕他最后说不赔,所以在这问问啊

小事大事你能100%控制得了吗?

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跑题了哥们,我是来问这个state minimum liability能不能免费cover小剐蹭的 :sweat_smile:

不跑题啊 大部分州租车公司提供的都是Secondary 你自己没保险 也不买额外的保险 这个才会生效 这不是赌只会出小事么?再者就是 美国这地方 只要对方愿意 找个律师走bodily injury 就没有小事 这也是你没法控制的

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