4 Responses for "What should I do when the at fault party has no car insurance?"

1. Vanessa Hudgens February 4th, 2010 at 3:07 am 1

   Best Answer – Chosen by Voters Are you sure that your own insurance won't pay ? it would be very unusual if they didn't.

2. miley cyrus February 4th, 2010 at 3:07 am 2

   You really screwed yourself here. If your own insurance doesn't cover a rental, you buy the coverage from the rental company. Many credit cards cover a rental if you pay for the rental with that card. You used a debit card, so again – no coverage. You should have bought the coverage from the rental company. These were all choices you made. I'm sorry you're in this predicament, but you have no option other than paying the bill for the repairs. You agreed to do that when you signed the rental contract.

3. taylor swift February 4th, 2010 at 3:07 am 3

   Get a loan to pay it.If your insurance company does not cover damage to a rental, then you should buy the insurance that the rental agency offers.Next, change insurance companies!

4. miley cyrus February 4th, 2010 at 3:07 am 4

   There are options when renting a vehicle regarding insurance. You can opt to have your insurance cover you, pay a fee for the rental company's liability or full coverage insurance (full coverage is well worth the cost versus paying for damage repairs), or choose to not use insurance at all. It's been my experience that most car rental agencies won't let you rent without either using your own insurance or paying for theirs, regardless if you use a credit card or debit card.If you chose to not use their insurance and your own insurance won't cover you for whatever reason, your only option may be to pay the damage cost and sue the at-fault party.Since the damage is to the rental company's car, you may not get the choice of who repairs it.I always get the insurance that the rental company offers only because accidents do happen. I turned one in with a busted windshield from construction debris with no questions asked. I say that only to suggest that if you have to rent again, choose to use their FULL COVERAGE insurance or be sure you can use your own so you're covered because we all know people are still driving around without insurance.Talk to an attorney (the consultation should be free) and see if you can sue the at-fault party. You should certainly have a case. Hopefully you have legitimate contact information for them.Good luck! Source(s): personal experience