My 26 year old daughter and a friend rented a car several months ago in New York. The car was rented by my daughter's friend and she signed up for all of the insurance. Both women are 26.
My daughter neglected to be added as an additional driver. She has a valid license but no personal auto insurance as she does not own a car or drive in NY.
On the way to Chicago, the driver became very tired and my daughter drove for awhile, hit a patch of ice and slid into a guard rail. No one was hurt but there was over $10,000 of damage to the vehicle. A new car was provided and they continued the trip. My daughter signed up as an additional driver on the new car.
As expected, the rental car company has now demanded full payment from my daughter. I have asked for a copy of all of the rental agreements and any information about umbrella coverage that the rental car company has received for the damage. If they have been paid, the claim should be from the insurance company as subrogee, I would think.
Any sugggestions on addressing this? Thank you.