Rental Car Accident Liability: How to Get Compensation
Hitting the road in a rental car can be a convenient way to explore new places or navigate unfamiliar territory. Unfortunately, rental car accidents can happen anywhere, and if you’re involved in a collision while driving a rental car, the aftermath can be confusing. Who’s liable? How do you get the compensation you deserve? Patterson Legal Group is here to guide you through the process of understanding rental car accident liability and securing the compensation you’re entitled to.
Understanding Rental Car Accident Liability
Determining fault in a rental car accident follows the same principles as any other car accident. The driver who caused the accident is typically liable for damages. However, with rental car agreements and additional insurance options, things can get a bit more complex. Here’s a breakdown of potential parties involved:
- The At-Fault Driver: If another driver caused the accident, their insurance should cover the repairs to the rental car, your medical bills, and any other damages you incur. This is the most straightforward scenario.
- You, the Renter: If you were responsible for the accident, your liability depends on the type of insurance coverage you purchased at the rental agency and your own personal auto insurance policy.
- The Rental Car Company: The rental car company owns the vehicle and will likely hold you financially responsible for any damage it sustains during your rental period, regardless of fault. This is why most rental agencies offer various insurance options (more on this later).
Types of Rental Car Insurance
Rental car companies offer various insurance options to protect yourself financially in case of an accident. Here are some common types:
- Loss Damage Waiver (LDW): This covers damage to the rental car itself, but it may not cover liability for injuries or property damage to others.
- Liability Damage Waiver (LDW): This is similar to LDW but adds some coverage for injuries and property damage caused to others. However, the limits of coverage can vary significantly.
- Collision Damage Waiver (CDW): Similar to LDW, this covers damage to the rental car but may not provide rental car accident liability coverage.
It’s crucial to carefully review the terms and limitations of each insurance option before making a selection.
Steps to Take After a Rental Car Accident
If you’re involved in a rental car accident, here are the essential steps to take:
- Ensure Everyone’s Safety: Check yourself and any passengers for injuries. If necessary, call 911 immediately.
- Secure the Scene: Turn on your hazard lights, document the scene with photos or videos (damage to vehicles, skid marks, etc.), and exchange contact information with all parties involved, including any witnesses.
- Report the Accident: Report the accident to the rental car company as soon as possible. They will likely have specific procedures you need to follow.
- File a Police Report: Regardless of the severity of the accident, filing a police report creates an official record of the incident.
- Seek Medical Attention: Even if you don’t feel immediate pain, get checked by a doctor to rule out any underlying injuries.
- Don’t Discuss Fault: Don’t admit fault with anyone at the scene, including the rental car company or other drivers.
- Contact a Lawyer: Contact a qualified car accident lawyer to begin building your personal injury claim.
Patterson Legal Group: Trusted Source on Rental Car Accident Liability and How to Get Compensation
Here at Patterson Legal Group, we pride ourselves on being dedicated advocates people need the most after an accident. Our skilled team of attorneys has a proven track record of success in securing settlements for those hurt in accidents in Kansas, Missouri, and Oklahoma. We will fight for your rights and work hard to secure the compensation you need.
Get started today with a free case evaluation and consultation by calling (888) 687-2400 or filling out an encrypted contact form. You can also connect with our LiveChat representatives. We work under a “no win, no fee” promise, so you won’t pay anything unless we win. Reach out today to begin your free, no obligation consultation.
