What If Both Drivers Are At Fault In The Rental Car Accident?
Typically, when both drivers are at fault in an accident, the insurance company assigns liability to each driver based on their fault. For example, one driver might be found 60% at fault while the other driver is 40% at fault.
According to the evidence, the driver who is 60% at fault will compensate for 60% of the damages compared to the other driver’s 40% fault. However, it’s important to note that this example may not be applicable in some states, like Florida.
Florida operates as a modified comparative negligence state. This means that a driver who is 51% liable for a car accident cannot seek compensation from other parties, even if they share the remaining 49% of the fault in the accident.
Hence, it’s best to research whether your state follows pure comparative negligence laws or modified comparative negligence laws. For instance, California operates as a pure comparative negligence state, allowing drivers to collect damages even if they are 70% at fault.
Do You Need Rental Car Insurance In North California?
Insurance coverage for rental cars isn’t required in Northern California, but it’s highly recommended for a safe future. All drivers are only required to have liability car insurance, which covers:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for property damage.
Liability insurance does not cover the cost of car repairs. However, if you use a credit card to rent the car, you may have coverage—though it’s best to check with your credit card company to confirm.
Personal car insurance policies often cover car damages but do not cover costs if the rental car is used for business purposes. Therefore, adding rental reimbursement coverage to your insurance policy protects you.
Rental Reimbursement Coverage Cost
On average, you may have to pay $25 to $100 yearly for the Rental reimbursement coverage. With this coverage, the insurance company will pay for car damage if you’re at fault, ensuring peace of mind.
