Quote Originally Posted by clublights View Post
I think they will still "have" to pay the claim .. but it will give you ZERO room to negotiate, and they pay bottom dollar.... Also I assume if they "catch you" they might drop ya like a hot rock ....
None of this matters if you are talking about your own insurance company. You are covered for what you are covered for, there is no negotiation anyway. If it's not your fault and you are working with another company, whether you had an endorsement or not wouldn't (shouldn't) matter because you would not have contributed to the accident. If the other company is trying to put comparative negligence on you, the no endorsement isn't that great of a bargaining tool as your actions either contributed or they didn't and the endorsement wouldn't change that. Or you could be dealing with Fred Loya and you are screwed either way.