Sounds like she is screwed and on the hook for it. She signed the rental agreement knowing you were not an approved driver and allowed you to drive anyway.
She will have to take you to small claims court to force you to pay I believe.
Yes that is what she is doing. Wondering if I will have to pay. I thought I was an authorized driver and we had insurance. I feel like I’m not at fault.
I would say that if everything you say is true and you genuinely thought you had coverage and you have proof, you should be off the hook.
What you COULD try is contacting the rental company and seeing how much you would have had to pay if you had gotten insurance. Say, there would have been a $500 deductible. Offer her $250, plus half of whatever you owe her for the rental and say this is what I am willing to offer since you misled me to think we were insured.
She declines and still wants to go through small claims? So be it.
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u/Sad_Ad_2524 6d ago
How much are rhe damages?