Who is Responsible for Accident Coverage?Generally, the person who caused the accident (or their insurance company) should provide compensation to cover the injuries and damages. So if you are driving a rental and another car speeds through a red light and crashes into you, the driver of the other car should pay up. If they are driving a rental and chose insurance to pay you for damages, an extra insurance policy also comes into the picture. How it applies to your particular case depends on the facts mentioned in the insurance contract. For example, an accident involving a rental car may involve coverage from the following:
- The credit card used to pay for the rental.
- The driver’s vehicle insurance.
- Your own car insurance provided you were not driving the rental.
- By the rental company.