13. Insurance Requirements
Insurance Disclosure Notice:
The State of Tennessee requires that we inform you:
Your personal automobile insurance policy may provide coverage while operating a rental vehicle, but not all policies offer this coverage. You should contact your insurance provider to verify your liability, comprehensive, and collision coverage during the rental period.
Bevans Legacy Auto Co requires that all renters carry insurance coverage that includes a collision damage waiver and liability protection. This can be purchased from Bonzah or another approved provider before rental.
Bevans Legacy Auto Co is not an insurance company and is not responsible for claims or disputes involving third-party coverage, including Bonzah. Failure to provide proof of required coverage will result in cancellation or delay of your rental without refund.
Insurance Requirement Clause
Mandatory Insurance Coverage
As a condition of renting or operating any vehicle from Bevans Legacy Auto Co, the Renter is required to purchase and maintain active insurance coverage through Bonzah, which includes a Collision Damage Waiver (CDW) and liability protection for the duration of the rental period. The Renter agrees to:
Purchase Bonzah coverage at the time of booking or before vehicle pickup
Provide proof of purchase (policy number and confirmation) before the rental period begins, or provide proof of insurance company coverage for the vehicle
Acknowledge that failure to maintain this coverage or provide proof of such will result in cancellation of the reservation or refusal of vehicle delivery without refund.
Understand that Bevans Legacy Auto Co is not liable for damages, losses, or liability that occur if the Renter fails to activate or maintain proper coverage through Bonzah or another approved provider.
Proof of insurance must match the Driver's License name.
If you rent longer than 30 days:
Renter MUST maintain full coverage insurance (liability + collision + comprehensive) throughout the entire RENTAL or RENT-TO-OWN period.
Bevans Legacy Auto Co. LLC must be listed as a "Loss Payee" on the policy. Proof of insurance is required before possession of the vehicle and updated upon policy changes.
The Company (Owner) is not liable for any claims, damages, or losses not covered by the Renter's insurance.
Failure to maintain coverage will result in immediate termination and repossession.
Renter agrees that Bevans Legacy Auto Co. is not responsible for claim processing.
Insurance Coverage Acknowledgment
The Renter acknowledges that vehicle rental does not include insurance coverage by default. Renter has the option to purchase supplemental rental insurance with collision/damage waiver coverage through Bonzah, a third-party provider. It is the responsibility of the Renter to review, understand, and accept the terms provided by Bonzah before purchase.
Waiver of Liability
If Renter chooses to purchase insurance coverage through Bonzah or any third-party insurance provider, Renter agrees to hold Bevans Legacy Auto Co LLC. harmless from any disputes, delays, or claim denials that may arise from the third-party insurance provider. It is the Renter's responsibility to understand what is and is not covered under said policy.
If renter's insurance denies any claim, the renter is financially responsible.