租AVIS，在加州发生车祸，

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

Perseus2000 发表于 2022-8-20 00:22
绝大部分信用卡带的租车保险只保租的车，不包括liability
.1point3acres当然楼主还是得去仔细查查，是不是包括

可能是lz误解了条款？估计本来意思是，XXX州要求租车公司必须提供liability的选项，而lz理解成了提供liability本身。估计租车收据上应该是写了lz签字decline了公司提供的liability所以对方律师直接来联系他了。
多数人因为租车的时候自己有保险一般会decline保险公司的选项，lz如果没有自己的保险应该需要加钱购买租车公司提供的liability。

琥珀的猪 发表于 2022-8-19 21:22
前面还倒车了吗？你当时承认自己的责任了吗？

当时都没有定责，也没有叫警察～

有证据证明对方倒车了吗？ 如果的确是自己的责任，那该赔多少就赔多少。2500元真不算多。

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。

ezohuya 发表于 2022-8-20 12:39
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 ...

我是从vegas租的车，不是亚利桑那，但是车祸发生在加州～