Sunday, March 6, 2016

"Ask a Lawyer" - Do I need Rental Car Insurance?


My family is taking a vacation to Disney World this summer.  We are flying down there and renting a car.  I never know what to do regarding insurance on the rental car.  Am I covered if I have an accident?  
Bradford L., Sumiton

Renting a car is not something most people do on a regular basis unless you travel frequently. A person renting a car may risk being involved in an accident in a rental car due to being unfamiliar with both the vehicle and the area where they are driving. Accidents can also be more difficult to report because people there are more people involved including the rental car company and its insurance company.

Right to Assume Rental Vehicle Is Safe to Operate

There is a special duty placed upon on a rental company to ensure that the vehicles they rent are in a roadworthy and safe condition. The car company should inspect vehicles prior to rental since it is responsible for injuries directly caused by known defects or those that a reasonable inspection should have discovered.

It is also wise for you to perform a quick inspection of the vehicle before driving it. Do this before leaving the agency’s grounds and report any dents or damage to the car that do not affect its drivability. You are not obligated to do this, but if the agency attempts to charge you for damage to the vehicle when you return it, you will have protected yourself by reporting the damage ahead of time.

Insurance when Renting

Your current insurance policy will most likely provide some coverage when renting a car.  However, check with your insurance agent before you rent a car. There may be some gaps in coverage.  If you do not have any coverage, you can usually buy additional coverage from the rental company. If a credit card is used to pay for the vehicle, the card company may also offer some limited protection.

If you have an Accident

Reporting an accident with a rental car is very much the same as reporting an accident in your own vehicle:

·      Report the incident to the police.
·      Report the incident to the rental car company.
·      Do not offer to pay or settle without the consent of the rental car company.
·      Do not admit liability.
·      Assist the rental car company with any statement or information that they may need.
·      Call your insurance agent also and make a claim under your personal car insurance policy.
·      Seek medical treatment immediately if you are injured.

How a Lawyer Can Help

If a problem with the rental car caused or contributed to the cause the accident, a personal injury attorney can help you determine if you have grounds for filing a negligence lawsuit against a car rental company. Also, a lawyer can assist you in getting full compensation for your injuries.

Nelson, Bryan and Jones represents clients in the following areas: Social Security Disability, Motor Vehicle Accidents, Wrongful Death Cases, Personal Injury Actions, Defective Products, Insurance Disputes and Bad Faith, Fire Loss cases, Trucking Accidents, Worker’s Compensation, Drug Recalls, Employment Law and Property Damage Claims.

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