Opinion ID: 2370012
Heading Depth: 1
Heading Rank: 7

Heading: The Rental Agreement

Text: After a careful examination of the rental agreement, we are satisfied that it did not provide the decedent with UM coverage. Even if a fact-finder concluded that the initials on the portions of the rental agreement rejecting coverage were not decedent's, there is no dispute that Lynch did not affirmatively request insurance protection or, notably, pay the costs associated with that coverage. Furthermore, the back of the rental agreement reads: Alamo provides no    uninsured or underinsured motorists protection    pursuant to this [a]greement, and renter expressly rejects and waives such coverage from Alamo. Simply put, Lynch, at best, was a third-party beneficiary to the National Union policy. But in agreeing to the terms of the rental agreement and declining to purchase additional insurance products, Lynch clearly elected to forgo UM coverage to the extent that such coverage was available. Accordingly, pursuant to the clear and unambiguous language of the rental agreement and by his contractual election, the decedent was without UM coverage.