Responsibility for a rental car accident typically falls on the driver at fault, but coverage may come from the renter’s personal auto insurance, the at-fault driver’s insurance, or the rental company’s provided coverage or waivers. If the renter caused the accident, they are liable for damages, with their personal auto insurance or a rental-specific waiver potentially covering the costs. If another driver was at fault, their insurance should cover damages to the rental car and the renter’s related expenses.
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