ANNOUNCEMENT: Please note that our staff here at R.C. Shea & Associates are dedicated to your legal needs and available during this difficult time. In order to do our part to help stop the spread of COVID-19, we will be conducting virtual meetings with both new and existing clients. To speak to an attorney, please click HERE.
R.C. Shea & Associates, Counsellors at Law - Toms River Lawyers
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Manchester Area:
732-408-WILL (9455)
Brick Area:
732-451-0800

Insurance Required for Rental Vehicles

Strictly speaking, it is not necessary for a consumer to pay the rental company additional money to insure their vehicle in the event you are involved in a collision.

New Jersey requires that all rental agencies provide liability coverage for lessees in the sum of $15,000.00 per person for bodily injury or death, $30,000.00 for bodily injury or death of all persons in one accident and $5,000.00 for property damage arising out of the negligent maintenance, use or operation of the rental vehicle upon public highways.

In New Jersey, every owner or registrant of a vehicle must maintain certain statutorily minimum coverage for bodily injury, death and property damage. A lessor, such as Avis or Enterprise, is the owner of the rental vehicle(s), therefore they are legally responsible for maintaining the statutorily minimum insurance on their vehicles. An insurer’s policy that attempts to exclude you (the lessee) from coverage is not enforceable. A rental company cannot take away your statutory rights.

In addition, your personal automobile insurance policy will act as excess insurance in the event you injure someone or damage their property as a result of the negligent maintenance, use or operation of the rental vehicle upon public highways.

If you choose to pay the rental company extra money for their insurance then ask them what it is you are purchasing? If they are legally required to provide you with basic liability coverage are you then purchasing excess insurance? If so how much additional insurance are you purchasing?

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Contact R.C. Shea & Associates, Counsellors at Law

Call our Toms River office at 732-505-1212, our Manchester office at - , our Brick office at - or call us toll free at 800-556-7432. You can also contact our firm online.