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Both. Who ever insures the car, will mainly have responsibility to crash .

It depends on what state the accident was in. State law would determine who is responsible and loves

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Q: If you are involved in an auto collision in a parking lot with a person driving a rented car whose insurance provider is liable the rental car owner or the renter?
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If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?

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