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When a rental, a peer-to-peer car or a moving truck is involved, several insurance policies may apply. We find every one of them. Free case review, no fee unless we win, and a real person answers 24/7.
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More about rental vehicle accidents
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When you rent a car, you expect to drive away with a safe and reliable vehicle that will help you navigate unfamiliar roads without a hitch. However, rental car accidents are a real concern and can complicate matters beyond the usual aftermath of a traffic accident. At TORKLAW, we have extensive experience helping victims of rental car accidents secure their rights and navigate the complexities that arise from such incidents.
Understanding Rental Car Accidents
A rental car accident occurs when you collide or experience an incident while driving a car you've rented from a rental agency. Although you might assume that the post-accident procedure for a rental is comparable to any other vehicle accident, there are a few nuances you should be aware of, especially regarding insurance claims and liability.
Check out our ultimate guide to rental car accidents.
Who is Liable in a Rental Car Accident
Liability determination abides by the same general rule as other auto accidents. The party who causes the accident usually carries the liability. However, complications arise when figuring out which insurance policy will handle the damages - whether it's your personal insurance, the rental company’s policy, or any supplementary insurance you acquired when you rented the vehicle.
Insurance Considerations
When dealing with a rental vehicle accident, there exist numerous potential insurance policies that could come into play. These policies may encompass, among other possibilities:
- First-party Personal Insurance
- Third-party Personal Insurance
- Temporary Rental Insurance (and its variations)
- Commercial Insurance if the vehicle was used for work
- Employer Insurances if the vehicle was used during work activities
- Insurance linked with a credit card (if the card was used for renting)
- Uninsured Motorist Coverage
- And more
To fully optimize your potential recovery and to ensure that no opportunities are overlooked, rely on the knowledgeable and experienced team at TORKLAW.
Rental Vehicle Accidents By Company
Each rental company is unique - operating differently than one another. Here is additional information about dealing with accidents involving some popular rental car companies.
Why You Need a Personal Injury Attorney
After a rental car accident, victims might face a wall of resistance from rental companies and insurance providers, making it hard to get the compensation you deserve. TORKLAW understands the intricacies of rental car accident cases:
- Insurance Negotiations: We'll handle the complex communications with insurance companies, ensuring you aren't shortchanged.
- Damage Assessment: Rental companies might claim exaggerated repair costs or other fees. We'll ensure these claims are justified and fair.
- Medical Coverage: If you're injured in a rental car accident, you deserve compensation for your medical bills, loss of income, and pain and suffering. We'll fight for your right to this compensation.
Preventing Rental Car Accidents
While accidents are sometimes inevitable, there are precautions you can take:
- Inspect the Rental Car: Before driving off, inspect the vehicle for any defects or issues. Report these immediately.
- Familiarize Yourself: Before heading into traffic, take a few minutes to familiarize yourself with the car's controls.
- Avoid Distractions: Stay focused on the road and minimize distractions.
Rental Car Accident Q&A
Q: I had a rental car accident. What should I do first?
A: Ensure everyone is safe. Call emergency services if there are injuries. Document the accident scene, gather witness details, and report the accident to the rental company and your insurance provider.
Q: Who will pay for the damages to the rental car?
A: This depends on the insurance coverage you have. If you opted for the rental company’s coverage, it might cover the damages. Otherwise, your personal auto insurance or credit card insurance (if applicable) could cover the costs.
Q: Can I be held liable for more than the rental car’s damage?
A: Yes. If you at fault you could be liable for the other party’s damages and injuries too.
Q: Do I need a lawyer if I had a rental car accident?
A: While not mandatory, having a lawyer can help you navigate the complexities of insurance claims, potential liabilities, and ensure you receive fair compensation, especially if injuries are involved.
Q: If I'm not at fault in a rental car accident, will I still need to pay any fees or charges?
A: Even when the fault isn't yours, the rental company might first place charges on you for damages or related expenses. Nonetheless, if you possess the suitable insurance coverage through either the rental company or your own insurance, the reimbursement of these charges should occur once the claim undergoes processing. If another party bears the fault, their insurance is expected to handle the expenses, although this could necessitate a period of time and negotiation.
Q: I didn’t purchase insurance from the rental company but used my credit card to book the vehicle. Does my credit card offer any protection?
A: Many credit cards offer rental car insurance as a perk. This insurance often provides coverage for damage or theft of rental vehicles. However, coverage varies among credit card companies and the card types. Contact your credit card provider before renting to understand what protection they offer and any associated terms or limitations.
Each situation is unique. For specific guidance tailored to your situation, consult a TORKLAW Attorney.
Contact TORKLAW for Your Rental Car Accident Needs
If you or a loved one has been involved in a rental car accident, time is of the essence. The legal experts at TORKLAW are here to guide you through the process, ensuring you are treated fairly and receive the compensation you deserve. Contact us now at 888.845.9696 for a comprehensive, free consultation.
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