the person who drove the car he is responsible he signs a form to say that he is responsible for what happens when they drive the car
If you don't have lost damage waiver, you might have to pay for the damages.
Yes.. You drive it, you damage it then your responsible for it.
The car that caused the first wreck is responsible for both wrecks for is initial wreck caused the wreck following it.
You are fully responsible for any loss or damage to a rental car. If you do not have insurance to cover this or have not purchased insurance from the car rental company, they will go after you for the full cost of the rental vehicle.
The car behind you is responsible for the damage to both cars. They are also responsible for putting you and the other driver in a rental car while your cars are being fixed.
The convertible top is considered part of the car, and damage to it would fall under the same category as any other damage to the vehicle. Whether or not the damage is your fault is another matter to be settled between you, the rental company, and the insurance companies involved.
Unless you purchased insurance at the time of the rental, you are responsible to use your own insurance to pay for the damage. This applies primarily to the large rental companies (enterprise, hertz, etc) It varies from State to State. Each state sets it's laws to what is the rental cars responsibility.
An SR22 insurance policy is a regular insurance policy with some additional requirements of the insurance company to notify the State Department of Motor Vehicles and restrictions on cancellation. In a rental car situation, the rental car company will carry the liability coverage and physical damage coverage. You are responsible for a deductible for any damage done to the vehicle. I recommend that you purchase their physical damage waiver so you will not be responsible for damages.
The Rental Car Company is responsible if they allowed an uninsured driver to rent and drive their vehicle. You will need to file a claim against both the driver and the rental car company.