If you were involved in a rental car accident, you may be equally eligible for compensation as if you were driving your own vehicle. Even if you did not purchase rental insurance, you may still be eligible to receive compensation from the at-fault driver. Many people forget to purchase rental car insurance, but your own insurance will often cover damage when involved in a rental car accident. If not, the other driver’s insurance may also cover the damages.
Filing a Claim
Filing a claim after an auto accident is often a confusing process. If you sustained injuries during the accident, you should always inform your insurance company, even if you were driving a rental at the time. If you were involved in a single-car accident, it is likely that you will only have to deal with your insurer. Depending on your coverage options, you may also recover any damages you suffered as a result of the accident.
Most car accident insurance policies cover damages in the event of a rental car accident. Every policy is different, so it is important to ask your insurer directly whether they cover such accidents. Most liability insurance policies cover the damage you do to another vehicle if the accident is your fault while collision coverage covers the damage to your property. If you were involved in a two-vehicle accident, you should still inform your insurer. Take the other driver’s insurance information and give it to your insurer if the other driver was at fault. In cases where another driver’s negligence caused the accident, you may be able to file a claim with the other driver’s liability coverage for your medical bills, treatment expenses, lost wages, and other costs associated with the accident.
In order to file a successful liability claim, you must prove that the other driver acted negligently. You must also demonstrate that the driver’s negligent actions had a causal effect on the damages you sustained. Finally, you must establish your damages through medical bills, receipts for alternate transportation, and any other factual evidence you can obtain.
Purchasing Rental Insurance
If you are preparing to rent a vehicle and are unsure of whether you need to purchase insurance, you should always check with your insurance policy first. Many people purchase insurance without realizing that they are already covered by their car insurance company. Most insurance policies insure the driver, meaning that you are covered regardless of what car you are driving. Many credit card companies also offer a degree of coverage for customers who rent a car with their credit card.
Once you know about your existing coverage, you can decide whether you would like to purchase any additional coverage through the rental car company. Overlapping coverage will not help reduce your damages.
If you are injured in a car accident, the first thing you should do is seek medical treatment. Even if you do not believe you were seriously injured and have no pain or symptoms, it is still important to get checked out. Going to a doctor establishes a history of medical treatment which will help you if you decide to file a claim at some point in the future. Some injuries, such as whiplash, do not present immediately after an accident.
Once you have received medical attention and contacted your insurance company, the most important thing you can do after a car accident is to contact a Phoenix personal injury lawyer. A lawyer can help you gather evidence to support your claim and represent you when dealing with your insurance company. Your injury attorney may also provide representation when dealing with the at-fault driver’s insurance company. No matter how nice the insurance company seems on the phone or in person, every insurance company’s goal is to save money on claims. If you speak with an insurer alone, you may be tempted to take a lower settlement than you deserve or forego your right to file a personal injury lawsuit for more money. Even if you choose not to file a claim, working with a lawyer gives you options and a voice in the claims process. Contact Hirsch & Lyon Accident Law today at (602) 691-7278 for a free initial consultation.