Originally Posted by
mraaro
See, this is what doesn't make sense to me. How would a car's liability insurance not cover the driver?
Does it only cover the car if it's driving autonomously?
I've understood that Thrifty covers their cars, but they may then sue the driver to get the money back if an accident occurs. But that seems like more of a scare tactic to sell more insurance.
A quick example would be rentals in California and Texas. Rental car companies might be the insured policyholder on some sort of liability policies as owners of vehicles, but most explicitly state automobile Liability and Property Damage Protection is not included in their rental rates.
Just because a liability policy "coverage" of some sort exists that pays out when you as the driver cause bodily injury or property damage, doesn't mean *you* are the insured.