You dont have to pay a penny in case of accident. The fleet should have liability insurance that covers other vehicles damage. The owner should have full insurance to cover the car you are driving. If he doesn't have insurance then its his problem. he should pay for repair.. if you are injured, the owner should pay for hospital bills..

In insurance policy terms, a deductible is the amount of money which the insured party must pay before the insurance company's own coverage plan begins. In practical terms, insurance companies include a deductible in their policies to avoid paying out benefits on relatively small claims. A typical auto insurance policy, for example, may carry a $500 deductible. If the owner of that car accidentally hits another car while parking and both drivers agree the damage is minimal, he or she would pay the $500 repair bill out of his or her own pocket. Insurance companies would not encourage a claim for such minor damages.

cal   tlc     and let them send you a definition of an auto accident document for a taxi driver then give it to your lawer.dont pay a pennyyyyyyyyyyy