Can I Get a Rental Car After an Accident?
A car accident can result in a variety of damages, including physical injuries and vehicle damage. Accidents can significantly impact your life, even if you did not sustain physical injuries. Dealing with car repairs can be time-consuming and frustrating.
Being without your vehicle for just a few days is disruptive. Without a vehicle, it can be difficult to get to work and care for your family. You need a rental car while your vehicle is in the shop. In order to get a rental car, you will need to prove that the other driver was at fault.
Getting A Rental Car When the Other Driver is at Fault
If the other driver caused the car accident, the driver’s insurance provider should pay for a rental vehicle while your vehicle is being repaired. You should be able to keep the rental car until your car is ready. If you keep the car after the completion of repairs to your vehicle, you are responsible for the rental fees.
The insurance provider should pay for a car that is a comparable model to your vehicle. While you may not be able to rent a sports car, the company should cover an SUV if the vehicle damaged in the wreck was an SUV.
You are Still Responsible for Any Damage to the Rental Car
Even though the insurance company for the other driver may be paying the car rental fee, you are responsible for any damage to the rental car. If you are involved in an accident while driving the rental car, you are responsible for the damage.
Even if another driver caused the accident, the rental agency looks to you for the compensation for damages. It is your responsibility to sue the other driver for damages and reimbursement of the funds you had to pay to the car rental agency.
Do I Need Car Rental Insurance?
The car rental agency may try to convince you to purchase car rental insurance. The insurance company for the other driver will not pay for car rental insurance. Before renting a car, always check with your insurance agent to avoid duplicating insurance coverage.
Some of the questions you want to ask your insurance company include, but are not limited to:
- Does my Texas liability insurance coverage extend to a rental vehicle?
- Does my comprehensive and collision insurance coverage a rental vehicle?
- What deductibles or other expenses would I have to pay after a rental car accident?
- Should I purchase a loss damage waiver to cover any damages that are not covered by my personal car insurance policy?
Your insurance agent can explain the various types of coverage, what you must pay, and advise you of any additional insurance coverage you may want to purchase while renting a car.
Can I Get a Rental Car If I Caused the Accident?
Your insurance policy may cover a rental car while your vehicle is being repaired. Most policies that include collision and comprehensive coverage include rental car coverage. If you are unsure, check with your insurance agent now instead of waiting until you may need the coverage.
What Happens if the Other Driver’s Insurance Company Blames You?
Even though a driver may have caused an accident, the insurance company may deny coverage. If the insurance company denies coverage, it will not pay for repairs to your vehicle, so it will not pay for a rental vehicle.
You may need to hire a car accident lawyer to help you fight the insurance company for the compensation you deserve. An attorney investigates the cause of the car accident, gathers evidence proving fault, and builds a case against the other driver. However, you are still without a vehicle while you fight with the insurance company.
Filing a Claim Against Your Insurance Coverage
You may want to file a claim against your car insurance coverage so that you can have your vehicle repaired while you battle with the other insurance company. Contact your insurance agent to discuss your coverage and how to file a claim.
Your insurance company may pursue a claim with the other company, or it may wait to see what happens with your claim. If you receive money for the repairs and the rental car fee, your insurance company expects you to turn over those funds to repay it for the cost of repairing your vehicle.
Should I See a Doctor After a Car Accident?
It is always a good idea to be checked by a physician after a car accident. Some accident injuries are not immediately known. Delays in medical treatment are often used by insurance companies to deny or undervalue claims.
You may not be sure if the aches and pains after a crash are an indication of a serious injury. However, getting checked out by a doctor now can help preserve your right to file a personal injury claim later, if necessary.