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Who Is Liable After An Accident In A Rental Car?
Posted By Charles Billings
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People often rent cars while they are on vacation, and people visiting Missouri or even residents who rent cars while their regular vehicles are in the shop can become very concerned when they are involved in automobile accidents. You are going to need to find a St. Louis lawyer for car accident as soon as you are involved in any kind of crash involving a rental car.
In cases of serious injuries, driving a rental car may cause unnecessary complications in the injury claim process while you wonder does car insurance cover rental cars. You will always be best served by retaining legal counsel for a crashed rental car claim.
Types of Rental Car Insurance
When you rent a car, the car rental company will usually offer you the chance to purchase another insurance policy even when you already have your own car insurance plan (that should cover the rental vehicle). The four kinds of rental insurance include rental car insurance, third-party insurance, personal insurance, and roadside assistance.
All four of these types of insurance have additional types. These may include:
- Collision Damage Waiver
- Loss Damage Waiver
- Collision Damage Insurance
- Extended Protection Insurance
- Liability Protection Insurance
- Supplemental Liability Insurance
- Third Party Liability Insurance
- Additional Liability Insurance
- Personal Accident Insurance
- Personal Effects Coverage
- Roadside Assistance
- Roadside Plus
Collision damage waiver, loss damage waiver, and collision damage insurance will cover damages to a car, such as rental car damage from accidents. Supplemental liability insurance is third party insurance that may be known as extended protection, liability protection, supplemental liability insurance, third party liability, or additional liability insurance, and it covers personal and material damage caused to other people’s cars, property, and medical expenses.
Rental Car Accident Injury Claims
The main problem with rental car insurance is that the limits to the policies are generally low, usually not more than $10,000. A car accident involving significant damage may mean that the insurance policy will not cover all of the damages involved.
When a person is not at fault accident rental car, then the negligent driver’s insurance company could be liable for all damage to the rental vehicle. Of course, there is always the possibility that a negligent driver was uninsured or did not have high enough limits on their own policy to cover all of the damages.
People driving rental cars can still turn to their own insurance companies for assistance in these cases. You will want to be sure that you are working with a St. Louis personal injury attorney who can assist you in holding a negligent party fully accountable and determining the best way of resolving your claim so you do not have to pay excessive costs out of your own pocket.
Call Us Today to Speak with a St. Louis Lawyer For a Car Accident
If you suffer injuries in a car accident while driving a rental vehicle, do not discount the importance of seeking legal representation for help with everything you are dealing with. A St. Louis attorney for a car accident is going to be able to help you negotiate with any insurance company and ensure that you are able to recover every last dollar that is available to you.
Bruntrager & Billings, P.C. knows how confusing these types of cases can be for people and we will work tirelessly to help you overcome every single obstacle that may arise following a rental car accident. Call (314) 646-0066 or contact us online to arrange a free consultation with our St. Louis lawyer for a car accident.
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