In a rental or leased vehicle, the individual’s own insurance policy will cover them for any automobile they are driving.  There is no need to buy supplemental insurance from the rental or leasing company unless the person is looking to increase their coverage. 

When a pedestrian or bicyclist is hit in some states, there is a presumption of fault if drivers strike a pedestrian or bicyclist.  This presumption can be overturned if there is evidence of fault or law-breaking behavior on the part of the pedestrian or bicyclist.  In no-fault states, injured pedestrians are often covered by their own automobile insurance policies, despite being pedestrians at the time, and even if the driver was at fault.

When a domesticated animal is injured and the driver suffers damage, there may be a presumption of fault on part of the animal’s owner for allowing their pet to become a danger.  If the accident was caused by negligence on the driver’s part, the owner of the animal may file suit against the driver.  The value of damages to the animal and it’s medical care are usually limited in most states, and do not permit financial compensation for non-economic damages associated with the loss of a pet.  If injury or damage is sustained by a driver’s collision with a wild animal, it is generally covered without assignment of fault.  The driver should assist the animal only if the driver will not endanger themselves or other motorists.