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 -用户名被占用了- ♂ (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

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

• 现在所有的问题就是在于朋友不在租车名单上 -ibur- ♂ (1162 bytes) () 01/19/2015 postreply 05:34:04

• 请先和自己以及朋友的保险公司联系后再来问。 -柠檬椰子汁- ♂ (726 bytes) () 01/19/2015 postreply 06:08:14

• 因为我们生活在德州，保险也买的是德州的，不知道是否可以应用到外州去 -ibur- ♂ (110 bytes) () 01/19/2015 postreply 07:08:28

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

• 看来你只有在爆胎这事上大做文章，请律师为你摆脱困境。 -水中捞月- ♂ (0 bytes) () 01/19/2015 postreply 06:26:08

• 这个办法好。我上次租车碰上下雨，前面的玻璃突然裂开了，我吓坏了，后来他们不仅没有让我赔， -慧惠- ♀ (69 bytes) () 01/19/2015 postreply 09:11:33

• 嗯，开始为楼主嗅到财机， -水中捞月- ♂ (479 bytes) () 01/19/2015 postreply 10:23:55

• 是这样吗？朋友根本不在contract里面 -ibur- ♂ (164 bytes) () 01/19/2015 postreply 13:25:27

• 如果租车合同明文规定只允许你一个人开车，那就不好办了。 -水中捞月- ♂ (0 bytes) () 01/19/2015 postreply 14:30:27

• 我记得不是明文‘只允许’，是加一个人，车行要加保险，所以我们租车的时候 -慧惠- ♀ (334 bytes) () 01/19/2015 postreply 16:07:16