DerbyDad03 wrote in news:8b1f22c9-a3b9-4ef9-9b02-
:

I'm going to be renting a car for a family vacation. I am trying to
find the cheapest way to add my wife and 2 sons as operators and
ensure that our private insurance will cover any accidents regardless
of who is driving.

In order to add 3 Additional Authorized Operators (AAO), the rental
company wants an extra $24/day for the 10 day trip, and that's with a
considerable discount.

I asked my insurance company what would would happen if I didn't add
them to the contract and one of them was involved in an accident. The
answer was:

The straight answer is, you're screwed. Every time I've ever rented a car or truck, the
contract has had some language to the effect that lessee agrees not to allow anyone other
than persons listed on the rental contract to operate the vehicle. You breach that contract if
you permit that -- and I'll bet that your auto insurance provides coverage on a rental car only
if you're in compliance with the rental contract.