Last Sunday I was in a rental car in San Francisco and used my AMEX Platinum card for the Hertz rental car. I had always thought if in an accident my AMEX card coverage would cover both Liability on both cars involved. Thing is, the accident involves light cosmetic damage only to both cars and there's no way to determine who's at fault - I would admit it outright if I was but it's a tough one. We called the police at the time but they said if there were no injuries then to just file with insurance as needed.
Amex is taking care of liability and damage costs on my rental car no problem.
I have no car insurance and live in Seattle. I'm also out of work and have some assets but can't afford to be taken for a ride. How should I go about working with his insurance company so that I don't come out at fault for the damages to his car (can't be more than $2,500). This really is a situation where both cars are likely at fault but of course he won't admit fault either.
