It's not necessary for a waiver as the co-signer would not be responsible. A co-signer is only responsible for repayment of the loan, if the primary borrower defaults.
"Hertz, offers a loss damage waiver, partial damage waiver, limited loss damage waiver, liability insurance supplement, personal accident insurance, and more. These are available at time of purchase and included in daily rentals. More detail information can be found on the website."
Most of insurance policies include excesses - minimum amount you'll have to pay in case of an accident. E.g. if your bill is for $300 and your excess is $100, your insurance company will pay just $200. Excess waiver is something you can purchase that, in case of an accident, you will not be liable to pay the deductible/excess.
There are a few insurance plans that are required by law for car rental places. These include: collision damage waiver, liability insurance, personal accident insurance, personal effects coverage.
Waiver of premium on a life insurance policy or disability insurance policy means that in case of a disability, the insurance company will waive the premiums and keep the policy in force. This is a layer of added protection in case you can't afford to pay the policy due to loss of income in case of an illness or accident. All disability insurance policies include the waiver of premium at no cost, keeping the policy in force while you are disabled and receiving disability benefits. Life insurance policies have the waiver of premium as a rider which usually cost additional premium to add. Consult a life and disability specialist to help you choose the best plans available to you.
It would depend on the state the accident was in. State laws would determine who is responsible. in California the renter is responsible regardless of fault. Also if you accept the LDW (Loss Damage Waiver) and you violate the contract the LDW/CDW is void. So if an unauthorized driver was driving the car and got into an accident, the renter would still be responsible.
Look online or in a self-help book for a form of "waiver and release", or hire a a lawyer to draft one for you. Depending upon which state you were in while driving without insurance, this could be the least of your worries.
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An insurance liability waiver form would need to come from your insurance company. Check with your insurance company online or give them a call to find out how to get one.
If you have liability insurance your insurance should cover you while driving another vehicle with permission of the owner. The problem with a company truck is the limit of liability you might have to have.
The forthcoming insurance companies offer collision insurances: Insurance4CarHire, Auto Rental Collision Damage Waiver, Rental Cars and the Collision Damage Waiver, etc.
You can have clients sign a waiver. However, it's still a good idea to have an insurance policy in place.
If you still live in the household, the only way most likely would be to sign a waiver agree not to drive vehicle. LEGAL AND BINDING, and NO COVERAGE for you in the case of accident.