Primary Insurance Responsibilities:
- The Renter’s personal automobile insurance policy shall serve as the primary insurance coverage for all liability, collision, and comprehensive claims arising from the use of the rented RV.
- Renter must provide proof of valid insurance before the rental period begins in the form of a signed Insurance Binder and a copy of their insurance ID card. Insurance must include coverage for motorhomes, travel trailers, and/or rental vehicles, as required by law. If the renter’s personal insurance cannot provide Liability coverage (or proof of such) extending to the RV/trailer being towed, the renter must purchase Per Day Liability Coverage from Mid Michigan RV Rental LLC’s insurance provider, MBA Insurance, by visiting mbatrailer.com and entering Policy #404134.
- Mid Michigan RV Rental LLC’s insurance policy, if applicable, shall apply on an excess/secondary basis only and will respond only after the Renter’s insurance limits have been exhausted, unless the Renter chooses to add primary comprehensive/collision coverage to their rental.
Renter’s Responsibilities:
- Renter assumes full financial responsibility for any loss or damage not covered by insurance.
- If the Renter’s insurance denies coverage, the Renter remains fully liable for all claims, damages, and costs.
- Deductibles, exclusions, and limits of the Renter’s policy are solely the responsibility of the Renter.
- If the Renter chooses to purchase primary comprehensive & collision coverage, the Renter agrees to the terms, conditions, and limitations of MBA Insurance Company’s policy, which are available upon request. The Renter is still liable for non-covered damages or damages in excess of the insurance coverage.
Company Coverage (Excess/Secondary Only, unless primary coverage is purchased):
- If applicable, Mid Michigan RV Rental LLC’s commercial insurance may provide secondary coverage, subject to policy limits, but only after the Renter’s insurance has been applied. The Renter may, at an additional cost, choose to add primary comprehensive/collision coverage to their rental.
- Mid Michigan RV Rental LLC’s coverage is not a substitute for Renter’s required liability insurance and does not waive the requirement for proof of liability coverage.
Claims Process:
- In the event of an accident, the Renter must file a claim with their personal insurance provider as the primary carrier.
- The Renter must provide Mid Michigan RV Rental LLC with documentation of the claim and any settlement decisions.
- If damages exceed the Renter’s policy limits, Mid Michigan RV Rental LLC’s insurance may respond as excess coverage.
Optional Insurance Upgrades:
- Renter may elect to purchase additional insurance coverage through Mid Michigan RV Rental LLC’s insurance carrier/third-party provider(s) by visiting mbatrailer.com and entering policy #404134. These additional coverages are subject to the terms of the insurance company providing them and typically include the following options:
- Supplemental Liability Insurance (SLI): Increases liability coverage limits.
- Personal Accident Insurance (PAI): Provides medical coverage for Renter and passengers in the event of an accident.
Coverage limits are determined by the Company’s policy in effect at the time of rental and may vary by state. A copy of the current Certificate of Insurance is available upon request.