租AVIS，在加州发生车祸，

今年寒假一月份楼主在mammouth雪山发生车祸，楼主从vegas租的车，在加州雪山发生车祸，下山途中当时前面突然停车，还有点倒车，没有及时避开，发生了一些碰撞，但没啥事情，就各自走了，对方当时要insurance number，我当时不太清楚，就给了她AVIS的租车单子，过了半年，对方保险公司起诉我要赔2500刀，我感觉有点额人，跟AVIS说，他说根据加州法律不提供liability，但是我是从vegas租的车，租车应该AVIS本身购买Liability，AVIS说不管其他人的损失，我不知道AVIS。insurance number现在该怎么办，这个会影响OPT的申请吗，因为当时没有叫警察，也没有定责，感觉对面保险公司想坑我。

tnuocca 发表于 2022-8-19 14:26
你贴的图片里写了加州没有liability啊，这就麻烦了，看看你租车的信用卡有没有带租车保险，你没有自己的保 ...

目前常见的信用卡均不提供liability保险

这种事情为什么会影响OPT申请？

这应该是民事，和OPT没啥关系，2500以修车来说是个小钱了，美国人工就是这么贵同时因为不是自己撞的肯定不会给你省钱。
如果能证明前车倒车可能就是对面责任了，突然刹车这块是追尾一般还是后车责任。
Avis那个liability如果看了下好像Arizona是这样的：

Liability Protection. YOU ACKNOWLEDGE THAT, PURSUANT TO ARIZONA REVISED STATUTES SECTION 28-2166, AVIS DOES NOT EXTEND ANY OF ITS MOTOR VEHICLE FINANCIAL RESPONSIBILITY OR PROVIDE PUBLIC LIABILITY INSURANCE COVERAGE TO THE RENTER, ANY PERMITTED DRIVER OR ANY OTHER DRIVER.

然后code是这样的:

C. Subject to subsection D of this section, the public liability insurance or the obligation of a self-insured owner pursuant to this section is primary coverage to any other available liability insurance coverage that is available and applicable for any damages and injury caused by a renter unless one of the following applies:

1. It is disclosed in the rental agreement to the renter the following:

"The owner does not extend any of its motor vehicle financial responsibility or provide public liability insurance coverage to the renter, authorized drivers or any other driver."

This disclosure shall be by one of the following methods:

(a) In at least ten-point bold type in the rental or lease agreement and affirmatively acknowledged by the renter.

(b) In the terms of the master agreement maintained with the renter.

(c) At the time a reservation is made by a renter online, the disclosure is made in a conspicuous manner.

所以好像真的是没有你的liability insurance，不过同时code里也提了不能向你追偿的样子

D. The owner regulated by this section:
.....
4. In any situation in which damages or injuries are caused by a person who is operating a motor vehicle and who is not authorized by the written rental agreement to do so, has a right of subrogation against the person who rented the motor vehicle for damages that are caused to the owner and that arose out of the unauthorized operation of the owner's motor vehicle.
5. Except as provided in paragraph 4 of this subsection, has no other right of subrogation against the person who rented the motor vehicle.

也许这事可以最后踢给AVIS处理，你要么找自己学校的legal assistance问问好。

所以你当时租车买保险了么？
买了的话买了什么？liability，collision？
如果没买的话你自己车险吗？

cannoli 发表于 2022-8-19 15:35
所以你当时租车买保险了么？
买了的话买了什么？liability，collision？
如果没买的话你自己车险吗？

当时就有一个碰撞险，保自己车的，因为我看AVIS官网他强制有Liability，看下图照片，我没有汽车保险。

不影响opt。

如果你DUI或者hit n run的话会影响。

你贴的图片里写了加州没有liability啊，这就麻烦了，看看你租车的信用卡有没有带租车保险，你没有自己的保险，信用卡secondary的保险也可以。

你自己有车险吗，走你自己的车险

前面还倒车了吗？你当时承认自己的责任了吗？

tnuocca 发表于 2022-8-19 14:26
你贴的图片里写了加州没有liability啊，这就麻烦了，看看你租车的信用卡有没有带租车保险，你没有自己的保 ...

绝大部分信用卡带的租车保险只保租的车，不包括liability
当然楼主还是得去仔细查查，是不是包括