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Auto Insurance Claims/rental car unauthorized driver accident
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Question
I rented a car in NY state and let my daughter drive unauthorized (close to midnight, the representative just shoved the paperwork at me without going over anything). We were rear-ended and the other driver admitted fault. Are we responsible for the damages and medical expenses? If so, is there recourse via the other driver?
Hi Corinna,
You are directly responsible to the rental company since you signed the rental contract. The at-fault driver and his insurance are responsible to you for the damage. You should be able to put the at-fault insurance comapny in touch with the rental car company to get the damages worked out.
Aas far as medical, New York is a state that has PIP coverage. you would have to call your insurance company to see how they will handle this. Any medical expenses in excess of your PIP coverage will be paid by the other insurance company once you reach a settlement agreement.
I hope this helps
Richard Hixenbaugh
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Richard Hixenbaugh's response was understandable, informative and prompt even though my collision was complicated by several factors. Thank you immensely for your guidance on our next steps. | ||
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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