Damage Waivers<\/h3>\n\n\n\n
A damage waiver<\/em> is an agreement by the rental agency that you won\u2019t be charged for damage to the rental car<\/em>.<\/p>\n\n\n\n A damage waiver is not insurance. It does not cover any responsibility you might have to other drivers, passengers or pedestrians in the event of an auto accident.<\/p>\n\n\n\n In many cases, if you have auto insurance on your car, the policy may cover you for accidents you cause while driving a rental car. If you rent a motor vehicle, speak to your insurance agent or check your policy before deciding whether to purchase rental insurance.<\/p>\n\n\n\n In addition, your personal auto insurance policy may not cover you if you are driving a vehicle for work<\/em>. Again, check with your insurance agent or policy. Do not assume you will be covered.<\/strong><\/p>\n<\/div>\n\n\n\n If you cause an accident while driving a borrowed car, the car owner\u2019s insurance generally pays claims. However, if the insurance policy is not enough to cover the damage or injuries, you may be liable. If you have auto insurance on your car, your insurance company may make up the difference.<\/p>\n\n\n\n Under Texas law, if you borrow a car from a repair shop, your auto liability insurance will usually pay for damages to the car.<\/p>\n\n\n\n If you cause an accident with the borrowed vehicle, your policy will usually pay for the injuries and damages to other drivers, pedestrians and bystanders harmed by the accident.<\/p>\n\n\n\n However, if you cause more damage than the insurance policy covers, you may be personally responsible. Check your liability limits to make sure they’re enough to pay for the damages.<\/p>\n\n\n\n If you don\u2019t own a car, but borrow a car often, you can buy a non-owner auto insurance liability policy<\/em>. A non-owner policy pays for the damages and injuries you cause to other people while driving a borrowed car.<\/p>\n\n\n\n A non-owner policy does not<\/em> pay for your injuries or damage to the car you\u2019re driving. If you damage the vehicle you borrowed, the owner may be able to hold you legally responsible for the damage.<\/p>\n<\/div>\n<\/div>\n\n\n\n You should always drive safely, but be extremely cautious when borrowing someone else\u2019s vehicle. Do not assume they have insurance \u2013 ask to see proof they have a current and valid policy. Make sure your own auto insurance is current, and large enough to cover any accidents.<\/strong><\/p>\n\n\n\nRental Insurance<\/h3>\n\n\n\n
![\"\"](\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Rental-cars.jpg\")
<\/figure>\n<\/div>\n<\/div>\n\n\n\nBorrowed cars<\/h2>\n\n\n\n
Vehicle Borrowed from an Auto Repair Shop<\/h3>\n\n\n\n
![\"\"](\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Non-owner-insurance-liability-policies-for-frequent-borrowers.jpg\")
<\/figure>\n<\/div>\n\n\n\nNon-owner insurance liability policies for frequent \u201cborrowers\u201d<\/h3>\n\n\n\n