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Old Jun 6, 19, 12:32 am
  #2  
Toshbaf
 
Join Date: Oct 2016
Location: PDX
Programs: AS DL
Posts: 3,296
Question 1

In the US, the car rental company provides liability coverages. The insurance that they sell is technically not insurances but CDW (collision damage waiver). Sometimes, they will sell extra liability coverages.

Liability coverage is to pay for the other driver injuries and damaged car if you are at fault.

If you don't buy CDW, you have to pay for the damages to the rental car.

Question 2
Additional driver not covered unless you tell the car rental company. They will ask to see that person's drivers license and also put that person's name on the paperwork. That person will have to be present at the time of rental.

If someone cheats and does not tell the rental car company about the 2nd driver, if there is a collision, they may be able to force you to pay for everything.

Some credit card companies cover CDW if you use the credit card for the rental.
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