Who is responsible if your car was hit by rental and driver had no insurance?

In the unfortunate circumstance of your car being hit by a rental vehicle and the driver having no insurance, resolving the situation can be challenging. Determining who is responsible and how to proceed depends on various factors and may involve multiple parties. Here are some steps to consider:

1. Police Involvement:

- If the accident resulted in significant injuries or substantial property damage, contact the police to create an official accident report. The report can provide crucial information for insurance and legal purposes.

2. Rental Company:

- Determine the car rental company with whom the driver had rented the vehicle. Contact the company's customer service and inform them about the accident and the driver's lack of insurance.

3. Rental Agreement:

- Review the terms and conditions of the driver's rental agreement with the car rental company. Most rental agreements require the driver to maintain certain levels of auto insurance coverage. Understand the company's policies regarding liability and whether they provide any supplementary insurance options that could cover the damages.

4. Personal Auto Insurance:

- Check your personal auto insurance policy to determine whether it includes coverage for damages incurred in an accident caused by an uninsured or underinsured driver. Some policies have provisions for such situations, including collision and uninsured/underinsured motorist (UM/UIM) coverage.

5. Compensation Claims:

- Contact your insurance provider and submit a claim for the damages. Follow the process outlined by your insurance company and provide all necessary information about the accident, including the accident report, rental car company details, and the other party's information (if available).

6. Legal Consultation:

- Depending on the extent of the damages or if the other party disputes liability, you might consider consulting with a legal professional. An attorney can provide expert guidance on your rights, options for pursuing compensation, and handling potential legal complications.

7. Subrogation Process:

- Some insurance companies might engage in a subrogation process after paying for the damages. This means that your insurance company may seek reimbursement from the responsible party or their insurance provider.

It's important to gather as much information as possible, including the driver's details (if known), the rental company's insurance information (if available), and documentation of the damages to your vehicle. Keep records of all communications, correspondence, and expenses related to the accident. These details will assist in resolving the situation.