LDW is not insurance

1. Damage to the rental car

Loss Damage Waiver simply means the rental company Waives the right to go after you for liability. That only means YOU (authorized driver) wrecked the rental car, you don't have to pay the rental company.  But since you violated the rental contract to allow your friend to drive the rental car, the LDW won't apply here and you as renter ARE responsible for the wrecked rental car.

You are responsible for the rental car.  You might go after your friend or his insurance company, but if his insurance limit was reached and he is unwilling to pay, You have to pay.  You have PRIMARY liability.  

Your own driver insurance won't pay anything since you weren't the driver. 

2. Damage to the other car and driver.

Since your friend was driving, he is solely liable for the damage to the other car and driver. You are not responsible. If he had his own insurance, the insurance would pay for the other car and driver.  

It is not clear what is the priority of the payment, e.g. whether his insurance company pays to your rental car first, or pays to the other driver first.  I think it would be best for you to submit your claim first to his insurance company, before the other driver starts.  

This is the beginning of the end of your friendship.  Good luck!

所有跟帖： 

• very clear and good explanation -用戶名被占用了- ♂ (0 bytes) () 01/18/2015 postreply 14:15:42

• This is the beginning of the end of your friendship. Not necessa -Smart- ♂ (16 bytes) () 01/18/2015 postreply 17:45:03

• 別欲言又止 -檸檬椰子汁- ♂ (0 bytes) () 01/18/2015 postreply 19:21:46

• 現在所有的問題就是在於朋友不在租車名單上 -ibur- ♂ (1162 bytes) () 01/19/2015 postreply 05:34:04

• 請先和自己以及朋友的保險公司聯係後再來問。 -檸檬椰子汁- ♂ (726 bytes) () 01/19/2015 postreply 06:08:14

• 因為我們生活在德州，保險也買的是德州的，不知道是否可以應用到外州去 -ibur- ♂ (110 bytes) () 01/19/2015 postreply 07:08:28

• Why don't you ask your insurance company? -檸檬椰子汁- ♂ (318 bytes) () 01/19/2015 postreply 07:27:29

• 看來你隻有在爆胎這事上大做文章，請律師為你擺脫困境。 -水中撈月- ♂ (0 bytes) () 01/19/2015 postreply 06:26:08

• 這個辦法好。我上次租車碰上下雨，前麵的玻璃突然裂開了，我嚇壞了，後來他們不僅沒有讓我賠， -慧惠- ♀ (69 bytes) () 01/19/2015 postreply 09:11:33

• 嗯，開始為樓主嗅到財機， -水中撈月- ♂ (479 bytes) () 01/19/2015 postreply 10:23:55

• 是這樣嗎？朋友根本不在contract裏麵 -ibur- ♂ (164 bytes) () 01/19/2015 postreply 13:25:27

• 如果租車合同明文規定隻允許你一個人開車，那就不好辦了。 -水中撈月- ♂ (0 bytes) () 01/19/2015 postreply 14:30:27

• 我記得不是明文‘隻允許’，是加一個人，車行要加保險，所以我們租車的時候 -慧惠- ♀ (334 bytes) () 01/19/2015 postreply 16:07:16