is the lessee responsible for the insurance
In addition, insurance provisions should be carefully scrutinized and enforced, particularly where state law places the burden of carrying or requiring the lessee to carry insurance on the lessor. The Florida case of Kramer v. General Motor Acceptance Corporation, 572 So. 2nd 1363 (1990) may be instructive. In that case, the lessee allowed its insurance coverage to lapse and the lessor would most likely have been held responsible for injuries caused by the lessee's use of the leased vehicle but for a finding that the lease was a conditional sale.