Legal Question in Insurance Law in California
Car Rental Insurance
I rented a car with full coverage insurance. A friend borrowed the rental car and was involved in an accident. That friends name was not included in the rental agreement or insurance policy. Am I fully responsible for the damages?
2 Answers from Attorneys
Re: Car Rental Insurance
Yes, you are responsible to the rental co. for the damage to the auto, and you have the right to then turn around and sue your friend (hope he has auto insurance). If your friend doesn't have auto insurance, and someone was hurt, you are also liable to repay the rental co. for up to $30,000 in bodily injury liability. If your friend was unlicensed or otherwise unqualified to drive, you could be liable for unlimited damages if you were negligent in entrusting him with the vehicle.
Re: Car Rental Insurance
Maybe. You have a very complicated situation. I had one of these once and was successful in getting coverage for the "borrower." Technically you violated the rental agreement and are responsible unless there is some way to get him covered as part of the rental transaction. You should see a lawyer immediately before giving any information to the rental company or the insurer.
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