In the state of Ohio, if a rental agency lets someone who is uninsured rent a car (which is illegal, but apparently happened), and that person hit my car while driving the rental, is the rental agency legally liable for the damage?
Answer
No. While it is illegal to drive without insurance in Ohio, a rental agency's agreement with a customer transfers liability to the customer. A rental agency is not required to ask for proof-of-insurance. A driver has an option to purchase car insurance through the rental agency for an additional fee. An otherwise uninsured driver may be covered through the terms of their credit card agreement, based upon the credit card they used to reserve their rental.
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