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Thanks so much for your patience. You can get your own insurance to cover a rental car; however, this depends on whether your car insurance carrier is going to cover your rental car. They may not cover it because it's not a vehicle you own; however they may cover it for you.
If you are leasing the vehicle, and you are added to the title as a lessee, then your car insurance should definitely cover you.
Whether you get paid depends on whether you have full coverage or liability. If you have liability, then it only covers the other party's injuries. Full coverage, or comprehensive coverage, pays you.
Oh, I'm sorry for the misunderstanding. Yes, you can, and probably should get full coverage on the vehicle. This means that if the car is totaled though, the actual owner gets the check to replace the car; however, any injuries your body sustains would be paid out to you.
If that's the case, then so long as you have insurance on the vehicle, insurance should cover it. You'll have to pay the deductible, but that's it. Nothing special in that case.
As a condition of settling the case, the injured party waives their right to continue to make claims regarding the matter, so they wouldn't sue anyone.
If they don't like the settlement and they don't sue, then they have no possibility at recovery.
If they want to sue the the party being sued can include their insurance co. The co. usually has an attorney defend these claims. The sued party can choose not to include the insurance co. in the proceedings if they want to defend the claim themselves.
Of course. You can ask away.
Just as an aside, I have an appointment to which I must attend so my sincerest apologies. You're welcome to continue asking questions to me about what's going on if you would like; however, I must respond later this afternoon.