Hired & Non-Owned Automobile Liability:
This coverage provides insurance protection against bodily injury and property damage claims brought against the insureds by third parties or members of the public.
The basis for such claims is an allegation of negligence with respect to the ownership or use of a covered automobile, which has resulted in damages to the third party.
If a claim or lawsuit is filed against the insureds, the insurance company has the right to settle and a duty to defend the insureds against the claim or suit.
This coverage does not provide or replace anyone's personal automobile insurance. In most states the insurance of the automobile operator or owner will be primary.