So, you’ve gotten into an accident in your rental car, now what?
As you’re standing in line at the rental counter the employee helping you will always recommend that you add their supplemental insurance coverage. Sometimes people add this coverage, but typically people waive their option. Most people don’t think they will be injured in an accident, or they think that they are covered. Stevenson Klotz has represented many clients who have dealt with these same issues. Generally, you’re renting a car because you are on vacation or because you are having transportation issues. The last thing that you need to worry about is an accident. Sadly, accidents can happen when you least expect them, and a rental car can complicate the entire situation.
Are you covered in your accident?
Once you make sure that everyone involved in the accident is ok, you’ll begin to think about the damages. You are in a rental car that has been damaged and you have medical bills that need to be taken care of. Many drivers don’t sign up for coverage because they have insurance. You need to check your auto insurance policy to make sure that your rental was covered. In most cases, you will have the same coverage on a rental that you have on your personal car. So, if you have a 500 deductible on your car, then you can expect to pay that 500 deductible on a rental before your insurance will cover anything else.
Your credit card might also provide a damage waiver to cover your rental. You need to read the fine print before you rely on your credit card, as some cards don’t cover certain vehicles. For example, luxury cars and trucks are typically not covered by credit card waivers. Also, you must submit a claim with your credit card company but might have to pay damages up front. Make sure you’re ready to cover any damage that occurs because you’ll be waiting on your card to pay you back.
Finally, your insurance company must have insurance on all of their vehicles. So, if you’re involved in an accident with another vehicle, the rental car company’s insurance should cover their damage. However, the driver of the other car could still sue you for damages. You need a professional in your corner to help you through the process.
We know how to navigate these complex rental car accident claims.
It’s important that you hire representation immediately to protect you. Our car accident attorneys are experienced in helping people who have been injured in rental car accidents. Contact us today, so we can begin contacting the concerned parties and filing your claim. We will fight to get you the compensation that you deserve.