It all depends on whether the renter signed up for the car rental company's extra insurance coverage at the beginning of the rental. If LDW (Loss Damage Waiver) or CDW (Collision Damage Waiver) insurance coverage was accepted by the renter, you will likely be dealing with the car rental company's insurance. If the renter declined the extra coverage, then you will deal directly with the renter's personal insurance provider.
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
The rights you have as a passenger in vehicle that was wrecked are simple. You are not a fault, you have the right to sue for damages and medical bills. Usually, the at fault person's insurance pays your medical bills and such.
Depends on the state.. and if the state is a "no-fault" state. Typically, in a no fault state, the person at fault pays for damages incurred. In a no-fault state (such as Michigan), each person pays for their own damages.
Depends whose at fault..
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
The owner of the car that caused your damages will be responsible to pay damages to you unless you live in a no-fault state. In that case, your insurance pays for your damages.
If both at determined to be 50% at fault, then each party would pay for their own damages.
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.
The other person's insurance covers damamge if it was their fault.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Yes,, That's what it's for. It pays for damages you caused to another.
Your liability portion of your auto insurance pays for injury and damages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy will cover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coverage for your own vehicle if you were at fault.