What happens if someone else is driving my rental car and gets in an accident?
With rental cars, liability for an accident is specified in individual contracts. In most cases, your own insurance coverage will apply as a form of coverage when renting a car. If your car insurance policy has a permissive use clause, it will typically cover anyone who had permission to drive your vehicle.
Does car rental insurance cover other drivers?
Does this coverage extend to additional drivers? Yes – our vehicle rental insurance covers the Insured (as long as they are listed on the rental agreement), and anyone else permitted to operate the vehicle under the rental agreement.
What happens if someone else drives my car without insurance?
Can someone else drive my car under my insurance? The short answer: Yes. Your auto insurance covers your car, not the person driving it. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase.
What happens if an unauthorized driver drives a rental?
When an unauthorized driver is operating a rental car and is involved in an accident, any insurance coverage provided by the rental car company will most likely be voided. If the unauthorized driver was not at fault but was injured, he or she may be eligible for financial compensation through a civil lawsuit.
What happens if you crash a rental car with insurance?
If the accident was your fault, you’re responsible for damage to the rental car and for any liability issues. Unfortunately, the rental company may charge you before the dispute is settled. If this happens, you’ll have to deal with the other driver’s insurance directly to get reimbursed.
How much does it cost to add another driver on a rental car?
How much is the fee for an additional driver? This fee varies by region, but typically averages $15.00 per day per additional driver and applies to any additional driver except the following: There is no additional driver fee in the US or Canada for authorized drivers.
Do I need to pay for extra driver on rental car?
Any additional driver (excluding a spouse or domestic partner) will pay a daily fee; Renter’s spouse or domestic partner who meet the same age and driver’s license requirements of the renter are authorized drivers at no additional charge.
Do insurance companies go after uninsured drivers?
The insurance company will not legally go after an uninsured at-fault driver if you do not carry collision/comprehensive or uninsured motorist coverage. Filing uninsured motorist claims is generally the most successful way to get your expenses covered after an accident with an uninsured driver.
Can someone else drive my rental car?
Yes. If the renter wishes to add an Additional Driver, the renter and potential Additional Driver must both present themselves at a rental location with their valid driver’s license and credit card. The Additional Driver must meet standard rental requirements. 4.
What is an unauthorized driver?
Unauthorized Driver is defined as anyone: (1) operating the Vehicle who has not entered into a written agreement, approved by COMPANY, with LESSEE for the operation of the Vehicle; or (2) who has not been authorized in writing by COMPANY to enter into the written agreement with LESSEE for the operation of the Vehicle.
Can my son drive my rental car?
For most car rental companies, only the registered driver can drive the rental. If the car meets an unfortunate accident and the person in the driver’s seat is not the registered driver, the police could hold you accountable and incur fines.
Is the rental car covered under uninsured motorist?
It depends on whether your auto insurance company covers your liability in a rental car. If they do, you are covered for uninsured motorists, and if they don’t, you aren’t. If you aren’t sure, call your agent or the customer service department of the insurance company.
Can a car be damaged by an uninsured motorist?
If the question is whether you can get a rental car if your car is damaged by an uninsured motorist, in most states the answer is no. UM typically only applies to injuries. If your car is damaged you’d need both Collision and Rental on the policy to get the car fixed and get a rental.
Who is covered by the uninsured motorist policy?
Uninsured Motorist coverage on your personal auto policy covers you if you are injured by an uninsured motorist irrespective of whether you are in your car or another car or no car at all (such as if you are walking, and hit in a crosswalk). It also covers anyone injured by an uninsured motorist while operating or riding in your vehicle.
What happens if you get pulled over by an uninsured driver?
Your policy may not get canceled if an uninsured driver gets pulled over in your car, but you could end up with a sharp rise in your insurance rates. Take the simple step of notifying your insurance company so that you won’t have to deal with any of these situations.