Mauna Kea, the Sacred

[missydog1]

(sidebar to Royall)
I haven't had that exact situation, but in Hawai'i the insurance follows the vehicle. If you are driving a vehicle and get in an accident, whoever has the coverage on the vehicle files the claim. Your own PIP (personal injury) insurance would kick in to pay your medical if there were not enough medical coverage on the vehicle's policy, but the vehicle's policy is first and foremost.

If fault is determined and accepted, the at fault driver's vehicle coverage pays for vehicle repairs.
If no fault is accepted, then the repairs are made by each vehicle's insurer.

I never drive a rental car unless I'm on as an authorized driver. I wouldn't want to be involved in that mess. I would imagine that the rental agency could sue a person who drives unauthorized and damages their vehicle, as well as the renter who allowed someone else to drive it. The rental contract should spell that out.
(end of sidebar)

"Sometimes it's not enough to know what things mean, sometimes you have to know what things don't mean." — Bob Dylan